Systems and methods for facilitating purchases at a gas station via mobile commerce

ABSTRACT

Systems and methods are provided for facilitating purchases at a gas station via mobile commerce. A merchant system can receive an indication that a consumer is at or near the merchant location and can check the consumer into the location. A mobile application can launch and provide the merchant system with consumer identification information. While a consumer makes a purchase at a location, the merchant system can select advertising to provide to the consumer on the consumer mobile device to convince the consumer to make additional purchases at the merchant location. In addition, the consumer can make additional purchases from the merchant system while, for example, pumping gas and can be provided with a code or other identify to provide the consumer with access to those additional products once they have completed the gas purchase.

RELATED APPLICATIONS

This application claims priority to U.S. Provisional Patent Application No. 61/699,728, titled “Systems and Methods for Implementing Mobile Commerce,” filed on Sep. 11, 2012, and to U.S. Provisional Patent Application No. 61/799,676, titled “Systems and Methods for Implementing Mobile Commerce,” filed on Mar. 15, 2013, the entire contents of both of which are hereby incorporated herein by reference for all purposes.

FIELD OF THE DISCLOSURE

The disclosure generally relates to mobile commerce, and more particularly, to systems and methods for facilitating purchases at a gas station via mobile commerce.

BACKGROUND

Commerce related to gas stations has changed significantly over the years. In the past, a typical gas station may have had little to offer customers other than gasoline for purchase. However, conventional gas stations often provide a wide variety of products and services for their customers, including significant food, beverage, and other miscellaneous offerings inside a convenience-style store at the gas station. Additionally, services such as car washes and detailing may be provided by the gas station merchant. Providing this expanded range of goods and services can greatly increase the revenue opportunities for the merchant. Another offering provided by many gas station merchants to provide greater convenience to their customers is the option to pay for gas at the pump, thereby eliminating the need for the customer to actually go inside to pay for their fuel purchase. However, the ability of a customer to pay at the pump reduces the likelihood that the customer will make other purchases at the gas station. These other purchases typically have a higher profit margin for the gas station merchant. Finding ways to entice customers into making additional purchases of goods and services while purchasing gasoline will increase the potential revenue for gas station merchants.

BRIEF DESCRIPTION OF THE DISCLOSURE

The disclosure relates to systems and methods for facilitating purchases at a gas station via mobile commerce.

In one embodiment, a method may be provided. The method may include a merchant device including one or more processors transmitting to the consumer mobile device, a request for a selection of a product or service for purchase from the merchant. The merchant device may receive, from the consumer mobile device, a selection of at least one product or service. The merchant device may receive, from the consumer mobile device, a selected payment method for the selected at least one product or service. The merchant device may process a purchase transaction for the selected at least one product or service with the selected payment method. The merchant device may transmit, to the consumer mobile device, a notification of approval of the purchase transaction. The merchant device may facilitate access to the selected at least one product or service in response to the approval of the purchase transaction.

In one aspect of the embodiment, the merchant device may receive an indication that a consumer is within a predefined distance of a merchant location. The merchant device may receive, from the consumer mobile device, consumer identification information for the consumer.

In one aspect of the embodiment, the merchant device may determine a purchase history for the consumer based at least in part on the identification information for the consumer. The merchant device may select at least one advertisement based at least in part on the purchase history of the consumer. The merchant device may transmit, to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

In one aspect of the embodiment, the merchant device may determine demographic information for the consumer based at least in part on the consumer identification information. The merchant device may select at least one advertisement based at least in part on the demographic information for the consumer. The merchant device may transmit, to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

In one aspect of the embodiment, the request for the selection of the product or service for purchase comprises a request for identification of a pump from which the consumer wants to pump gas, receiving the selection of the at least one product or service comprises an identification of gas pump at the merchant location, and facilitating access to the selected at least one product or service include the merchant device may transmit a signal to the identified gas pump to unlock the gas pump.

In one aspect of the embodiment, the selected payment method includes payment card transaction information. The merchant device may determine consumer identification information based at least in part on the payment card transaction information. The merchant device may determine contact information for a mobile device of the consumer based at least in part on the determined consumer identification information. The merchant device may transmit a notification to the mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

In one aspect of the embodiment, the merchant device may receive, from a consumer at an input communicably coupled to the merchant device, a phone number associated with the consumer. The merchant device may determine the consumer mobile device associated with the phone number. The merchant device may transmit a notification to the consumer mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

In one aspect of the embodiment, a scannable code may be provided at the merchant location. The merchant device may receive the code from a consumer mobile device. The merchant device may identify, a gas station mobile payment application program based at least in part on the received code. The merchant device may facilitate access to the gas station mobile payment application program. The merchant device may receive consumer identification information via the gas station mobile payment application program.

In one aspect of the embodiment, the merchant device may transmit an access code to the consumer mobile device, the access code providing access to the selected at least one product or service.

In one aspect of the embodiment, the selected at least one product or service includes a car wash. The merchant device may transmit, to the consumer mobile device, an access code, the access code facilitating the initiation of the car wash. The merchant device may receive, from the consumer mobile device, the access code. The merchant device may be communicably coupled to the car wash. The merchant device may initiate, the car wash in response to receiving the access code at the merchant device.

In one aspect of the embodiment, the selected payment method includes payment card transaction information. The merchant device may determine consumer identification information for the consumer based at least in part on the payment card transaction information. The merchant device may determine a demographic characteristic for the consumer based at least in part on the consumer identification information. The merchant device may select at least one advertisement based at least in part on the demographic characteristic of the consumer. The merchant device may transmit, to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

In one aspect of the embodiment, the selected payment method may include payment card transaction information. The merchant device may determine consumer identification information for the consumer based at least in part on the payment card transaction information. The merchant device may determine a purchase history for the consumer at the merchant based at least in part on the consumer identification information. The merchant device may select at least one advertisement based at least in part on the purchase history of the consumer at the merchant. The merchant device may transmit, to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

In one embodiment, a system may be provided. The system may include at least one memory storing computer-executable instructions and at least one processor, wherein the at least one processor may be configured to access the at least one memory and to execute the computer executable instructions to direct communication of a request for a selection of a product or service for purchase from the merchant to a consumer mobile device; receive, from the consumer mobile device, a selection of at least one product or service; receive, from the consumer mobile device, a selected payment method for the selected at least one product or service; facilitate the processing of a purchase transaction for the selected at least one product or service with the selected payment method; direct communication of a notification of approval of the purchase transaction to the consumer mobile device; and facilitate access to the selected at least one product or service in response to the approval of the purchase transaction.

In one aspect of the embodiment, the at least one processor may be further configured to execute the computer-executable instructions to receive an indication that a consumer is within a predefined distance of a merchant location; and receive, from the consumer mobile device, consumer identification information for the consumer.

In one aspect of the embodiment, the at least one processor may be further configured to execute the computer-executable instructions to determine a purchase history for the consumer based at least in part on the identification information for the consumer; select at least one advertisement based at least in part on the purchase history of the consumer; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

In one aspect of the embodiment, the at least one processor may be further configured to execute the computer-executable instructions to determine demographic information for the consumer based at least in part on the consumer identification information; select at least one advertisement based at least in part on the demographic information for the consumer; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

In one aspect of the embodiment, the request for the selection of the product or service for purchase includes a request for identification of a pump from which the consumer wants to pump gas, receiving the selection of the at least one product or service includes an identification of gas pump at the merchant location, and facilitating access to the selected at least one product or service includes directing communication of a signal to the identified gas pump to unlock the gas pump.

In one aspect of the embodiment, the selected payment method includes payment card transaction information. The at least one processor may be further configured to execute the computer-executable instructions to determine consumer identification information based at least in part on the payment card transaction information; determine contact information for a mobile device of the consumer based at least in part on the determined consumer identification information; and direct communication of a notification to the mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

In one aspect of the embodiment, the at least one processor may be further configured to execute the computer-executable instructions to receive, from a consumer at an input communicably coupled to the merchant device, a phone number associated with the consumer; determine the consumer mobile device associated with the phone number; and direct communication of a notification to the consumer mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

In one aspect of the embodiment, a scannable code may be provided at a merchant location. The at least one processor may be further configured to execute the computer-executable instructions to receive the code from a consumer mobile device; identify a gas station mobile payment application program based at least in part on the received code; facilitate access to the gas station mobile payment application program; and receive consumer identification information via the gas station mobile payment application program.

In one aspect of the embodiment, the at least one processor may be further configured to execute the computer-executable instructions to direct communication of an access code to the consumer mobile device, the access code providing access to the selected at least one product or service.

In one aspect of the embodiment, the at least one processor may be further configured to execute the computer-executable instructions to direct communication of an access code to the consumer mobile device, the access code facilitating the initiation of the car wash; receive, from the consumer mobile device, the access code, wherein the merchant device is communicably coupled to the car wash; and initiate the car wash in response to receiving the access code at the merchant device.

In one aspect of the embodiment, the selected payment method may include payment card transaction information. The at least one processor may be further configured to execute the computer-executable instructions to determine consumer identification information for the consumer based at least in part on the payment card transaction information; determine a demographic characteristic for the consumer based at least in part on the consumer identification information; select at least one advertisement based at least in part on the demographic characteristic of the consumer; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

In one aspect of the embodiment, the selected payment method may include payment card transaction information. The at least one processor is further configured to execute the computer-executable instructions to determine consumer identification information for the consumer based at least in part on the payment card transaction information; determine a purchase history for the consumer at the merchant based at least in part on the consumer identification information; select at least one advertisement based at least in part on the purchase history of the consumer at the merchant; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

BRIEF DESCRIPTION OF THE DRAWINGS

Reference will now be made to the accompanying drawings, which are not necessarily drawn to scale, and wherein:

FIG. 1 illustrates an example system for implementing mobile commerce according to certain example embodiments of the disclosure.

FIG. 2 illustrates an example mobile commerce program application or module according to certain example embodiments of the disclosure.

FIG. 3 is a flow chart illustrating an example method for creating a mobile commerce application program according to certain example embodiments of the disclosure.

FIG. 4 is a flow chart illustrating an example method for setting up a consumer account on a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 5 is a flow chart illustrating an example method for presenting advertising and promotions on a consumer mobile device during a pay at the pump gasoline purchase according to certain example embodiments of the disclosure.

FIG. 6 is a flow chart illustrating an example method for presenting targeted advertising and promotions on a consumer mobile device during a gasoline purchase according to certain example embodiments of the disclosure.

FIG. 7 is a flow chart illustrating another example method for presenting targeted advertising and promotions on a consumer mobile device during a gasoline purchase according to certain example embodiments of the disclosure.

FIGS. 8 and 9 illustrate example displays of a user interface presented on a consumer mobile device to communicate notices of offers or promotions during a gasoline purchase according to certain example embodiments of the disclosure.

FIG. 10 is a flow chart illustrating another example method for creating a mobile commerce application program according to certain example embodiments of the disclosure.

FIG. 11 is a flow chart illustrating another example method for setting up a consumer account on a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 12 is a flow chart illustrating an example method for providing information and access to products and services of a merchant at a merchant location via a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 13 illustrate example displays of a user interface presented on a consumer mobile device to communicate information regarding products and services and to provide access to products and services of a merchant at a merchant location according to certain example embodiments of the disclosure.

FIG. 14 is a flow chart illustrating another example method for creating a mobile commerce application program according to certain example embodiments of the disclosure.

FIG. 15 is a flow chart illustrating another example method for setting up a consumer account on a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 16 is a flow chart illustrating an example method for providing information and access to products and services of a merchant at a merchant location via a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 17 is a flow chart illustrating an example method for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 18 is a flow chart illustrating another example method for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 19 is a flow chart illustrating yet another example method for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 20 is a flow chart illustrating another example method for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure.

FIG. 21 illustrates an example display of a user interface presented on a consumer mobile device to communicate advertising regarding products and services of a merchant at a merchant location while the consumer is at the merchant location according to certain example embodiments of the disclosure.

DETAILED DESCRIPTION

The present disclosure is directed to systems and methods facilitating purchases at a gas station via mobile commerce. Certain example embodiments of the disclosure will now be described more fully hereinafter with accompanying drawings and corresponding description in FIGS. 1-21. This disclosure may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein.

Overview

The present disclosure relates to systems and methods for facilitating purchases at a gas station via mobile commerce. In one example implementation, a merchant, such as a gas station merchant, can create a mobile commerce application program, also known as a mobile app, mobile wallet or wallet app. A consumer can download the mobile commerce application program onto the consumer's mobile device and store certain personal and payment method information in association with the mobile commerce application program. When the consumer's mobile device is within the vicinity of the merchant location, the mobile commerce application program can either launch automatically or the consumer can launch the application. The mobile commerce application program can transmit location and personal information about the consumer to a merchant system or server and can “check-in” the consumer at the merchant location. The merchant system can provide a list of goods and services available to the consumer on the consumer's mobile device. The consumer can select the desired goods and/or services and can select a payment method via the mobile commerce application program. The merchant system can authorize the purchase of the selected goods and/or services, can transmit a notification of authorization to the consumer's mobile device via the mobile commerce application program, and can provide the consumer with access to the purchased goods and/or services. The merchant system can identify advertisements and transmit those advertisements to the consumer's mobile device for display via the mobile commerce application program. For example, the advertisements can be presented while the consumer is receiving the requested goods and/or services (e.g., filling up a car with gas). Upon receipt of the goods and services, the merchant system can generate and transmit an electronic receipt to the consumer's mobile device and can transmit notification and/or download to the consumer's mobile device any loyalty rewards, coupons, and/or points earned based on the purchase via the mobile commerce application program.

In another example implementation, a consumer can select one or more products and/or services for purchase and can present a payment card (e.g., a credit card, debit card, gift card, discount card, or pre-paid card) at a merchant point of sale (POS) device. The consumer's payment card information can be transmitted to a server. The server can determine the consumer associated with the payment card and mobile device associated with the consumer. The merchant system can identify demographic or purchase history information for the consumer and can select one or more advertisements based on the demographic or purchase history. The merchant system can transmit these targeted advertisements to the consumer's mobile device for display via the mobile commerce application program or via email or text message. Upon completion of the purchase, the merchant system can transmit notification and/or download to the consumer's mobile device any loyalty rewards, coupons, and/or points earned based on the purchase via the mobile commerce application program.

In another example implementation, a consumer can select one or more products and/or services for purchase and can present a payment card (e.g., a credit card, debit card, gift card, discount card, or pre-paid card) or cash to complete the purchase. The consumer can also provide their phone number either to an employee of the merchant or directly into a merchant POS device. The consumer's phone number can be transmitted to a server. The server can determine the consumer associated with the phone number and mobile device associated with the consumer. The merchant system can identify demographic or purchase history information for the consumer and can select one or more advertisements based on the demographic or purchase history. The merchant system can transmit these targeted advertisements to the consumer's mobile device for display via the mobile commerce application program or via email or text message. Upon completion of the purchase, the merchant system can transmit notification and/or download to the consumer's mobile device any loyalty rewards, coupons, and/or points earned based on the purchase via the mobile commerce application program.

In another example implementation, a merchant, such as a gas station merchant, can create a mobile commerce application program. A consumer can download the mobile commerce application program onto the consumer's mobile device and store certain personal and payment method information in association with the mobile commerce application program. When the consumer's mobile device is within the vicinity of the merchant location, the mobile commerce application program can either launch automatically or the consumer can launch the application. The mobile commerce application program can transmit location and personal information about the consumer to a merchant system or server and can “check-in” the consumer at the merchant location. The merchant system can provide a list of goods and services available to the consumer on the consumer's mobile device. The consumer can select the desired goods and/or services they wish to purchase via the mobile commerce application program. The merchant system can determine pricing based on the selected goods and/or services and can transmit the pricing for display on the consumer's mobile device via the mobile commerce application program. The mobile commerce application program can display the pricing information and retrieve and display one or more payment method options for the consumer on the consumer's mobile device. The consumer can select the desired payment option, which can be transmitted, along with the selected goods and/or services to the merchant system. The merchant system can authorize the purchase and transmit notification of the authorization to the consumer's mobile device via the mobile commerce application program. The merchant system can also provide access to the selected goods and/or services and can transmit advertising, an electronic receipt, and notification of and/or download to the consumer's mobile device any loyalty rewards, coupons, and/or points earned based on the purchase via the mobile commerce application program.

In another example implementation, a merchant, such as a gas station merchant, can create a mobile commerce application program. A consumer can download the mobile commerce application program onto the consumer's mobile device and store certain personal and payment method information in association with the mobile commerce application program. When the consumer's mobile device is within the vicinity of the merchant location, the mobile commerce application program can either launch automatically or the consumer can launch the application. The mobile commerce application program can transmit location information for the consumer to a merchant system or server and can “check-in” the consumer at the merchant location. The merchant system can provide a list of goods and/or services available to the consumer on the consumer's mobile device via the mobile commerce application program. The consumer can select the desired goods and/or services and can select a payment method via the mobile commerce application program, which can be transmitted along with identifying information of the consumer to the merchant system to complete the purchase. The merchant system can authorize the purchase of the selected goods and/or services, can transmit a notification of authorization to the consumer's mobile device via the mobile commerce application program, and can provide the consumer with access to the purchased goods and/or services. The merchant system can also identify targeted advertisements for the consumer based on the consumer's demographic information or prior purchase history with this or other merchants and can transmit those advertisements to the consumer's mobile device for display via the mobile commerce application program. For example, the targeted advertisements can be presented while the consumer is receiving the requested goods and/or services (e.g., filling up a car with gas). Upon receipt of the goods and services, the merchant system can generate and transmit an electronic receipt to the consumer's mobile device and can transmit notification and/or download to the consumer's mobile device any loyalty rewards, coupons, and/or points earned based on the purchase via the mobile commerce application program.

In the above implementations and other embodiments described herein, a mobile commerce application program, sometimes referred to as a mobile app or wallet app, can be hosted or otherwise stored on a mobile device, client device, server device, or any other processor-based device. Multiple instances of mobile commerce application programs can operate within a network environment, such as described in FIG. 1, and each may have similar or different functionality, such as described in FIG. 2, according to various example embodiments and implementations as described herein.

CERTAIN EXAMPLE IMPLEMENTATIONS AND EMBODIMENTS

An example architecture or environment for a system 100 according various example embodiments of the disclosure is shown in and described with respect to FIG. 1. A mobile commerce application program or module, such as 102, can be stored in memory 104 at a server device 106. In certain embodiments, a mobile commerce application program or module, such as 108, can be stored in memory 110 at a merchant system computer 112 or associated merchant device 114. In certain embodiments, a mobile commerce application program or module, such as 116(1), can be stored in memory 118(1) at a mobile device 120(1) associated with a consumer 122(1) or user. In any instance, one or more mobile commerce application programs or modules operating on respective computers, servers and/or mobile devices can implement some or all of the functionality described herein.

As shown in FIG. 1, the system 100 may include or otherwise support one or more merchant system computers 112 and/or associated merchant devices 114, one or more consumer or mobile devices 120(1)-120(N), one or more server transaction processing systems 106, and one or more issuer or financial institution systems 124. A wide variety of different types of consumer or mobile devices 120(1)-120(N) may be provided or otherwise supported, such as consumer computers and/or mobile communication devices. As desired, the system 100 may provide or otherwise support a wide variety of other entities associated with payment transactions, such as one or more server transaction processing systems 106. Any number of suitable networks and/or communication channels, such as the illustrated networks 126, may facilitate communication between various components of the system 100.

With reference to FIG. 1, any number of merchant system computers 112 and/or associated merchant devices 114 may be provided or otherwise supported. In certain example embodiments, these merchant system computers 112 and/or associated merchant devices 114 may include one or more point-of-sale (POS) devices or terminals. As desired, each merchant system computer 112 and/or associated merchant device 114 may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, a smartphone, a tablet computer, a wearable computer device, an application-specific circuit, or any other processor-based device.

A merchant system computer 112 and/or associated merchant device 114 may be any suitable device that facilitates purchase transactions, such as those in retail establishments, e-commerce and/or mobile transactions. In operation, the merchant system computer 112 and/or associated merchant device 114 may utilize one or more processors 128 to execute computer-readable instructions that facilitate the hosting of one or more mobile commerce application program services, the receipt of purchase transaction requests, the processing of payment transactions, and/or the identification and transmission of advertising, such as targeted advertising to a mobile device. As a result of executing these computer-readable instructions, a special purpose computer or particular machine may be formed that facilitates the purchase transactions.

In addition to having one or more processors 128, the merchant system computer 112 and/or associated merchant device 114 may further include and/or be associated with one or more memory devices 110, input/output (“I/O”) interface(s) 130, network interface(s), and/or location services 132. The memory 110 may be any computer-readable medium, coupled to the processor(s) 128, such as random access memory (“RAM”), read-only memory (“ROM”), and/or removable storage devices. The memory 110 may store a wide variety of data files and/or various program modules, such as an operating system (“OS”), one or more host modules, and/or one or more transaction modules or transaction applications, such as mobile commerce application program 108. The data files may include any suitable data that facilitates the operation of the merchant system computer 112 and/or associated merchant device 114, and/or interaction of the merchant system computer 112 and/or associated merchant device 115 with one or more other components (e.g., one or more one or more consumer or mobile devices 120(1)-120(N), one or more server transaction processing systems 106, one or more merchant acquiring platforms, one or more issuer systems, one or more financial institution systems 124, etc.) of the system 100. For example, the data files may include information associated with one or more websites 134 (hosted by either a third-party and/or merchant), webpages, inventory information associated with available products and/or services, acquiring platform information, service provider information, merchant-specific information (such as the number of fuel dispensing pumps and the products and services offered by the merchant), information associated with the generation of payment transactions, customer information, demographic data, information associated with the identification and transmission of advertising, such as targeted advertising, and/or routing information for payment transactions.

The OS may be any suitable module that facilitates the general operation of the merchant system computer, as well as the execution of other program modules. For example, the OS may be any currently known or future developed operating system including, but not limited to, Microsoft Windows®, Apple OSX™, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system. The host modules may include any number of suitable host modules that manage interactions and communications between the merchant system computer 112 and/or associated merchant device 114, and one or more external devices, such as the consumer or mobile devices 120(1)-120(N). For example, the host modules may include one or more Web server modules that facilitate the hosting of merchant websites and/or third-party websites, such as 134, webpages, and/or transaction processing webpages. As another example, the host modules may include one or more cellular modules and/or systems that facilitate cellular communication with one or more mobile devices 120(1)-120(N).

The transaction modules or applications, such as the mobile commerce application program 108, may include any number of suitable software modules and/or applications that facilitate the collection and/or processing of information association with a purchase transaction, such as one or more identifiers of desired products (e.g., UPC identifiers) and/or services, a desired payment account, a desired type of transaction (e.g., a card present transaction, a card not present transaction, etc.), consumer identification information, and/or an identifier of a consumer or mobile device 120(1)-120(N) (e.g., a mobile device identifier, etc.). Based at least in part upon the collected information, the transaction modules or applications may generate and/or communicate a wide variety of transaction-related requests, such as payment processing and/or authorization requests and/or advertising requests. One example of the operations that may be performed by a transaction module or mobile commerce application program 108 and/or the merchant system computer 112 and/or associated merchant device 114 is described in greater detail below with reference to FIG. 2.

With continued reference to the merchant system computer 112 and/or associated merchant device 114, the one or more I/O interfaces 130 may facilitate communication between the merchant system computer 112 and/or associated merchant device 114 and one or more input/output devices; for example, one or more user interface devices, such as a display, a keypad, a mouse, a pointing device, a gesture detection device, an eye movement detection device, a control panel, a touch screen display, a remote control, a microphone, a speaker, a consumer device reader, etc., that facilitate user interaction with the merchant system computer 112 and/or associated merchant device 114. The one or more network interfaces may facilitate connection of the merchant system computer 112 and/or associated merchant device 114 to one or more suitable networks, such as 126, and/or communication links. In this regard, the merchant system computer 112 and/or associated merchant device 114 may receive and/or communicate information to other components of the system 100, such as the consumer or mobile devices, for example 120(1)-120(N), the server transaction processing systems 106, and/or the issuer or financial institution systems 124.

In certain example embodiments, a merchant system computer 112 and/or associated merchant device 114 can be associated with a merchant location 136, such as a retail store (e.g., gas station) or “bricks and mortar”-type establishment. The merchant location 136 may include a code 138, such as a QR code, bar code, or other machine readable code, wherein consumers can utilize a respective consumer or mobile device 120(1)-120(N) to scan or read the code to check-in to a merchant or to obtain information associated with a merchant, such as product pricing information. Alternatively, the merchant system computer 112 and/or the associated merchant device may include or be communicably coupled to geolocation devices that are operatively coupled to one or more location services 132 for sensing and identifying customer mobile devices that are within a predetermined distance of the merchant location.

Additionally, with continued reference to FIG. 1, any number of consumer or mobile devices 120(1)-120(N) may be provided or otherwise supported. Examples of suitable consumer or mobile devices can include, but are not limited to, personal computers and/or mobile communication devices (e.g., mobile phones, smart phones, etc.), etc. According to an example aspect of the disclosure, a consumer or mobile device, such as 120(1) may be a suitable device that is capable of interaction with other components of the system 100 during the request and/or completion of an e-commerce transaction. For example, a personal computer or mobile device may be utilized to access one or more e-commerce websites, such as 134, including those hosted by the merchant system computer, such as 112, or the merchant system 112 itself and identify products and/or services to be purchased, request a purchase and/or interact with the merchant system computer 112, merchant system device 114, and/or other components of the system 100 (e.g., the server transaction processing system 106, etc.) during the completion of a payment transaction. In one example embodiment, a mobile device, such as 120(1), may be utilized to request one or more products and/or services in a payment transaction, provide consumer identification information, and/or to provide validation information during the processing of the payment transaction.

As desired, a consumer or mobile device, such as 120(1), may be any number of processor-driven devices, including but not limited to, a personal computer, a mobile computer, an application-specific circuit, a minicomputer, a microcontroller, and/or any other processor-based device. The components of an example mobile device, such as 120(1), will now be described in greater detail, and it will be appreciated that a personal computer may include similar components. With reference to the mobile device 120(1), the mobile device 120(1) may utilize one or more processors 140(1) to execute computer-readable instructions that facilitate the general operation of the mobile device 120(1) (e.g., call functionality, etc.) and/or communication with a merchant system computer 112, merchant system device 114, and/or other components of the system 100 (e.g., the server transaction processing system 106) for product selection and payment transaction purposes, for providing access to purchased products, as well as for the receipt of merchant selected advertising, loyalty awards, coupons and promotional information. As a result of executing these computer-readable instructions, a special purpose computer or particular machine may be formed that facilitates the completion of payment transactions, provides access to purchased products, and/or provides for the receipt of merchant selected advertising, loyalty awards, coupons and promotional information.

In addition to having one or more processors, the mobile device, such as 120(1)-120(N), may further include and/or be associated with one or more memory devices 118(1)-118(N), input/output (“I/O”) interfaces 142(1)-142(N), network interfaces, and/or location services 144(1)-144(N). The memory 118(1)-118(N) may be any computer-readable medium, coupled to the one or more processors 140(1)-140(N), such as random access memory (“RAM”), read-only memory (“ROM”), and/or removable storage devices. The memory 118(1)-118(N) may store a wide variety of data files and/or various program modules, such as an operating system (“OS”) and/or one or more transaction modules or applications, such as a mobile commerce application program 116(1)-116(N). In certain example embodiments, a mobile device, such as 120(1), may include one or more secure elements configured to securely store and/or access information, such as payment applications, payment account information, validation information (e.g., a stored mPIN, etc.), encryption information, and/or other transaction-related information. The secure elements may be stored in the memory 118(1) and/or included as a separate component of the mobile device 120(1). For example, a secure element may be a separate chip that is configured to communicate with primary computing functionality for the mobile device. As desired, one or more of the transaction modules, such as the mobile commerce application program 116(1), may be stored on a secure element. The transaction modules may be invoked by other components of the mobile device 120(1) and/or by one or more other components of the system 100, such as the merchant system computer 112, merchant system device 114, and/or the server transaction processing system 106.

The data files may include any suitable data that facilitates the operation of the mobile device, such as 120(1), and/or interaction of the mobile device 120(1) with one or more other components (e.g., a merchant system computer 112, merchant system device 114, a server transaction processing system 106, etc.) of the system 100. For example, the data files may include information associated with accessing the secure elements, information associated with invoking transaction modules, and/or information associated with accessing and/or processing validation data (e.g., an mPIN, etc.). The OS may be a suitable module that facilitates the general operation of the mobile device, such as 120(1), as well as the execution of other program modules. For example, the OS may be any currently known or future developed operating system including, but not limited to, a suitable mobile OS or a specially designed operating system. As desired, the mobile device 120(1) may also include one or more suitable browser applications that facilitate the access of one or more webpages hosted by the merchant system computer 112, and/or third-party or merchant web sites, such as 134.

The transaction modules may include one or more suitable software modules and/or applications configured to facilitate purchase transactions, such as payment transactions, facilitate the receipt and display of advertising, loyalty awards, coupons and/or promotional information, and/or provides access to purchased products on behalf of the mobile device, such as 120(1). In certain embodiments, a transaction module or mobile commerce application program, such as 116(1), may also facilitate communication with a server transaction processing system, such as 106, or a trusted service manager. A wide variety of suitable techniques may be utilized to install a transaction module on the mobile device, such as 120(1). For example, a transaction module may be provisioned to the mobile device 120(1) by a server transaction processing system 106 and/or by an issuer or financial institution system 124. Additionally, during the installation and/or registration of the transaction module, a wide variety of validation information may be generated and/or identified. For example, a consumer, such as 122(1) may be prompted to enter an mPIN, such as a multi-character and/or multi-numeral code, to an associated mobile device, such as 120(1). As desired, the mPIN may be stored on a secure element. Additionally, the PIN and/or a wide variety of information derived from the mPIN (e.g., an encrypted mPIN, etc.) may be provided to one or more issuer or financial institution systems, such as 124, or an issuer system associated with an issuer of a payment account (e.g., a credit account, a debit account, a pre-paid card account, a gift card account, a stored value account, etc.) that is associated with the transaction module.

According to an aspect of the disclosure, following registration and/or activation of the transaction module, the transaction module may be invoked during a payment transaction. For example, the transaction module may be invoked by a merchant system computer 112, merchant system device 114, or by a server transaction processing system 106 at the request of the merchant system computer 112 and/or merchant system device 114. In certain example embodiments, the transaction module may be invoked following a consumer request to conduct a payment transaction and the identification of the mobile device, such as 120(1), by the merchant system computer 112, merchant system device 114, or server transaction processing system 106. Following the invocation of the transaction module, a request for validation data and/or payment account data may be received. As desired, the transaction module may prompt the consumer for entry of an mPIN, and an mPIN value entered by the consumer, such as 122(1), (e.g., by a keypad, touchscreen, etc.) may be identified. A stored mPIN value may then be accessed from the secure element and compared to the entered mPIN value. In this regard, the entered mPIN value may be authenticated. If the entered mPIN value is not authenticated, then the transaction module may reject a proposed transaction and direct the output of a suitable error message.

If, however, the entered mPIN value is authenticated, then the transaction module may provide payment account data and associated validation data to the merchant system computer 112, merchant system device 114, or server transaction processing system 106. A wide variety of different types of validation data may be provided as desired in various embodiments, including but not limited to, an mPIN entered by the consumer 122(1), an indication that the entered mPIN was authenticated by the mobile device 120(1) and/or the secure element, an encrypted version of the entered mPIN, and/or an encrypted version of the stored mPIN. In one example embodiment, an entered mPIN may be authenticated, encrypted, and provided to the merchant system computer (or a server transaction processing system). In this regard, the encrypted mPIN may be provided to the issuer or financial institution system, such as 124, for authentication and/or risk analysis purposes.

Examples of the operations of the transaction module and/or the mobile device 120(1)-120(N) are described in greater detail below with reference to the other figures.

The one or more I/O interfaces, such as 142(1)-142(N), may facilitate communication between the mobile device, such as 120(1) and one or more input/output devices; for example, one or more user interface devices, such as a display, a keypad, a touch screen display, a microphone, a speaker, etc., that facilitate user interaction with the mobile device 120(1). Further, the one or more network interfaces may facilitate connection of the mobile device, such as 120(1), to one or more suitable networks, for example, the network(s) 126 illustrated in FIG. 1. In this regard, the mobile device, such as 120(1), may receive and/or communicate information to other components of the system 100.

With continued reference to FIG. 1, as desired in various embodiments, any number of server transaction processing systems, such as 106, may be provided or otherwise supported. A server transaction processing system 106 may facilitate the backend processing of a purchase transaction, such as a payment transaction, the identification of a consumer's mobile device 120(1) based on consumer identification information, demographic and/or purchase history information for the consumer associated with the consumer mobile device 120(1) and/or the identification of advertising based on the demographic or purchase history information for the consumer. In certain example embodiments, an issuer system may include similar components as those discussed above for the merchant system computer 112 and/or merchant system device 114. For example, server transaction processing system 106 may include any number of processors 146, memories, I/O interfaces 148, and/or network interfaces. In certain example embodiments, a server transaction processing system 106 can include one or more transaction modules, such as a mobile commerce application program 102 and/or a social network integration program application 150. In any instance, the transaction modules can facilitate communications and/or interactions with any number of consumer or mobile devices such as 120(1)-120(N), merchant computer systems such as 112, merchant computer devices 114, data stores 151, third-party websites such as 134, and financial institution systems such as 124. In certain embodiments, a service transaction processing system, such as 106, can host a social network integration program application, such as 150, configured to communicate via any number of social network services and/or websites to obtain information from the services and/or websites, for example, product and/or service data 152 on a third party or merchant website, such as 134.

Furthermore, as desired, a server transaction processing system, such as 106, may provide a wide variety of transaction module provisioning services. Additionally, a server transaction processing system, such as 106, may provide a wide variety of transaction-related and/or value added services (“VAS”) in association with transactions, such as targeted advertising services, coupon redemption services, loyalty/reward services, location-based services, electronic receipt services, product registration services, warranty services, coupon issuance services, and/or the routing of a proposed transaction to an issuer for approval and/or settlement purposes. In certain example embodiments, a server transaction processing system, such as 106, may include similar components as those discussed above for the merchant system computer, such as 112, and/or merchant system device, such as 114. For example, a server transaction processing system, such as 106, may include any number of processors, memories, I/O interfaces, and/or network interfaces.

With continued reference to FIG. 1, as desired in various example embodiments, any number of issuer or financial institution systems, such as 124, may be provided or otherwise supported. An issuer or financial institution system, such as 124, may facilitate the backend processing of a payment transaction, such as a payment for one or more products and/or services selected by an consumer at a merchant location. For example, an issuer or financial institution system, such as 124, may host a payment processing application program, such as 154, or module to facilitate the approval, authentication, and/or settlement of a payment transaction. In certain example embodiments, a payment transaction may be routed to an issuer or financial institution system, such as 124, via a suitable transaction network (e.g., a debit network, a credit network, etc.), and the issuer or financial institution system, such as 124, may evaluate the payment transaction via the payment processing application program, such as 154, or module. An approval or rejection of the payment transaction may then be output for communication to a merchant system computer, such as 112, and/or merchant system device 114. The issuer or financial institution system, such as 124, may then facilitate the settlement of the payment transaction. In certain embodiments, an issuer or financial institution system, such as 124, may include similar components as those discussed above for the merchant system computer 112 and/or merchant system device 114. For example, an issuer or financial institution system, such as 124, may include any number of processors 156, memories 158, I/O interfaces 160, and/or network interfaces. In certain example embodiments of the disclosure, an issuer or financial institution system, such as 124, may receive validation information in association with a purchase a transaction.

A wide variety of suitable networks, individually and/or collectively shown as 126 in FIG. 1, may be utilized in association with embodiments of the disclosure. Certain networks may facilitate use of a wide variety of e-commerce-related communication. For example, one or more telecommunication networks, cellular networks, wide area networks (e.g., the Internet), and/or other networks may be provided or otherwise supported. Other networks may facilitate communication of transaction-related communications. For example, one or more transaction networks, such as branded networks (e.g., a VISA network, etc.), debit and/or PIN networks, and/or a wide variety of other suitable transaction networks may facilitate communication of transaction-related communications, such as e-commerce transactions. Due to network connectivity, various methodologies as described herein may be practiced in the context of distributed computing environments. It will also be appreciated that the various networks may include a plurality of networks, each with devices such as gateways and routers for providing connectivity between or among networks. Additionally, instead of, or in addition to, a network, dedicated communication links may be used to connect various devices in accordance with an example embodiment.

The system 100 shown in and described with respect to FIG. 1 is provided by way of example only. Numerous other operating environments, system architectures, and device configurations are possible. Other system embodiments can include fewer or greater numbers of components and may incorporate some or all of the functionality described with respect to the system components shown in FIG. 1. Accordingly, embodiments of the disclosure should not be construed as being limited to any particular operating environment, system architecture, or device configuration.

FIG. 2 shows an example mobile commerce application program 200, similar to the mobile commerce application programs 102, 108, and 116(1)-116(N) in FIG. 1, that can operate with respect to the system 100 shown in FIG. 1. The mobile commerce application program 200 shown in FIG. 2 can include, for example, a loyalty/rewards module 202, a check-in-to-pay module 204, an interruptive alert module 206, a share redeemed offer module 208, a notification or messaging module 210, a restaurant mobile payment module 212, a check-in-to-pay at QSR module 214, a split the bill module 216, a lifecycle shopping module 218, a linking transaction module 220, a mobile device login module 222, a bill payment module 224, a multi-consumer remote payment module 226, an instant issuance module 228, a check-in to pump gas module 230, a buy car wash module 232, a drive consumer inside module 234, a tokenization module 236, and a code generation module 238. Some or all of the modules 202-238 are described herein with respect to certain mobile commerce functionality, associated processes, and features. FIGS. 3-21 illustrate certain processes associated with some or all of the modules comprising the example mobile commerce application program 200 in FIG. 2. While the various modules 202-238 are shown by way of example, fewer or greater numbers of modules can be present in various embodiments of a mobile commerce application program. Furthermore, various functionality described with respect to one module may be performed by multiple modules in other embodiments of the disclosure.

Check in to Pump Gas

In some instances, consumers desire to purchase gas and/or other goods and services using a consumer mobile device, without having to use the merchant's POS device directly. Certain example embodiments of the disclosure can provide systems and processes for facilitating the purchasing of gas and other products from a merchant with a mobile device or other client device. The methods can be implemented by way of a consumer mobile device or other client device. For example, FIGS. 3-9 illustrate example methods 300, 400, 500, 600, 700, 800, and 900 for remotely accessing and paying for products or services from a merchant according to certain example embodiments of the disclosure. The following methods are described with reference to a merchant that is a gas station or similar convenience-type store. However, the example method is not so limited and can be applied to any merchant irrespective of their type of business to provide a way for payment of goods and/or services using a mobile phone or other client device of a consumer.

FIG. 3 is a flow chart illustrating an example method for creating a mobile commerce application program according to certain example embodiments of the disclosure. Various operations of the methods described below can be performed by the system components described above and shown in FIGS. 1 and 2. With reference now to FIGS. 1-3, the example method 300 can begin at block 305, where a network link is provided for access by a merchant (e.g., via a merchant system 112 or device) to a hosted website or payment application program. For example, a merchant system 112 may be provided access to a mobile commerce application program 102, which may include a bill payment module 224. In one example, by way of a client device, such as a merchant system 112, a merchant can link via the network 126 to the bill payment module 224 of the mobile commerce application program 102 on the server transaction processing system 106 to configure a customized payment program.

In block 310, one or more templates and/or user interfaces are presented to prompt the merchant for payment parameters. For example, the bill payment module 224 may generate or otherwise present to the merchant via the network 126 at the merchant system 112 a series of templates or predefined user interfaces. In block 315, merchant parameters for an opt-in mobile payment program are received from the merchant. For instance, a hosted website or bill payment module 224 on the server transaction processing system 106 can implement a set of computer-executable instructions to enable an opt-in mobile payment program. When prompted, the merchant, via the merchant system 112 can select one or more parameters for a payment program, such as payment methods that can be used, any minimum payment requirements associated with one or more of the payment methods (e.g., minimum amount for use of a credit card, debit card, pre-paid card, gift card, or other stored value card), any additional fees that will be added to a transaction if certain payment methods are used (e.g., additional fees for use of a credit card, debit card, pre-paid card, stored value card, or gift card), and any additional information that will need to be provided by a consumer when using particular payment methods.

In block 320, a logo, other trademark, trade name, or other business identifier for the merchant can be received for inclusion in the opt-in mobile payment program. For example, when prompted, the merchant can upload a business logo from the merchant system 112 to the bill payment module 224 at the server transaction processing system 106 via the network 126. In block 325, a downloadable mobile commerce application program 116 for use by a consumer can be generated. For instance, after the merchant inputs the business logo and parameters for a payment program, the bill payment module 224 or hosted website 134 can execute a set of computer-executable instructions to implement the merchant's payment program, such as offering the program as a consumer downloadable mobile commerce application program 116 or app in a mobile application store or website 134. In some example embodiments, the mobile commerce application program 116 may be branded with the merchant's logo and/or name. In some example embodiments, the mobile commerce application program 116 may be the same application program for some or all merchants, or those merchants within a single classification or geographical location. In the manner described above, various merchants, regardless of size, can adopt and implement a bill payment module 224 as a part of a mobile payment application program 116.

FIG. 4 is a flow chart illustrating an example method for setting up a consumer account on a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 4, the example method 400 can begin at block 405 by receiving a request to download a merchant mobile payment program, such as the mobile commerce application program 116 that includes a check-in to pump gas module 230. The consumer mobile device 120 or other client device can communicate, with the server transaction processing system 106 or an app store via the network 126, some or all the information associated with a scanned QR code, bar code, any other type of one-dimensional or two-dimensional code, information provided via near-filed communication, or other code or name input from the consumer at the consumer mobile device 120.

In block 410, a mobile commerce application program 116, such as a merchant mobile payment program, can be transmitted to and access can be provided to the consumer mobile device 120. Using the information received in the previous block, the server transaction processing system 106 can identify the merchant's mobile payment program 116, and download the consumer downloadable mobile commerce application program 116 to the consumer mobile device 120 or other client device. In one example embodiment, the mobile commerce application program 116, including the check-in to pump gas module 230, can be transmitted via the network 126 from the mobile commerce application program 102 at the server transaction processing system 106 to the consumer mobile device 120 for download. For example, by way of a consumer mobile device 120 or other client device, such as a laptop computer or tablet, a consumer can download a merchant-branded mobile commerce application program 116 that includes the check-in to pump gas module 230 to the consumer mobile device 120 or other client device.

In block 415, the mobile commerce application program 116 can generate and display on the consumer mobile device 120 one or more account set-up prompts. For example, the prompts can include one or more fields for receiving consumer identification information and any other types of information known to the consumer for creating a personalized account for the check-in to pump module 230. In block 420, one or more inputs associated with the set-up prompts can be received at the I/O interface 142 of the consumer mobile device 120. For example, when prompted, the consumer can create an account and input certain consumer identification information to the mobile commerce application program 116, such as personal information including, but not limited to, the consumer's name, address, social security number, mobile telephone number, email address, and messaging address. In block 425, consumer payment method information can be received from the consumer at the consumer mobile device 120. For example, the payment method information may include credit card account information, debit card account information, pre-paid card account information, stored value card account information, gift card account information, checking account information, and/or savings account information. This payment method information may be previously stored or accessible via an authorization token on the consumer mobile device 120, such as in the bill payment module 224. As such, the check-in to pump gas module 230 may retrieve stored payment method information in memory or from the server 102 that is associated with the consumer and can display the payment method information for selection on the display of the consumer mobile device 120. In certain instances, all or a portion of this consumer identification information and payment method information may be stored in memory 118 of the consumer mobile device 120 or in the memory 104 or a database associated with the server 102 and accessible via an authorization token stored in the memory 118 of the consumer mobile device 120 or as part of the check-in to pump gas module 230 on the consumer mobile device 120. Optionally, in block 430, a personal identification number (PIN) code for accessing the consumer account can be received at the consumer mobile device 120. For example, the consumer can input a PIN or other code at the display for use in accessing the consumer's account in the check-in to pump gas module 230. In this way, access to the consumer's personal information and payment method information may be secured within the mobile commerce application program 116.

After the consumer account has been configured, and the mobile payment application program 116, such as the check-in to pump gas module 230 has stored information associated with the consumer account, the consumer can utilize the account via a user interface provided by the mobile commerce application program 120 as a digital payment device in the merchant's mobile payment program, such as via the mobile commerce application program 108. The application program 116 can provide the consumer with any number of tools to facilitate purchases, such as near-field communication, a QR code scanner, a bar code scanner, a payment button, a keypad, a voice input payment command, etc. In some example embodiments, the consumer can verify a payment command or instruction by entering his or her PIN or other code.

FIG. 5 is a flow chart illustrating an example method for presenting advertising and promotions on a consumer mobile device during a pay at the pump gasoline purchase according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 5, an example method 500 for checking-in to pump gas using the check-in to pump gas module 230 on a consumer mobile device 120 is shown and described. The example method 500 begins at block 505, where an indication is received that the consumer mobile device 120 has entered or is within a predetermined distance of the merchant location. In one example, as a consumer pulls up to a gas pump at the merchant location an alert or notification may be triggered on the consumer mobile device 120 or other client device when the device 120 is within a predefined range of the merchant, such as on the merchant's property. The alert can be triggered via a location-based service 132 on the merchant system identifying or receiving a signal from the location service 144 on the consumer mobile device 120. In another example, the consumer can scan a code (e.g., a QR code, bar code or other one-dimensional or two-dimensional code) to indicate that the consumer mobile device 120 is on the merchant property. In another example, the consumer can check-in to the merchant, such as a gas station, by placing the consumer mobile device adjacent a merchant device for conducting near-field communication. In yet another example embodiment, the consumer can check-in to the merchant location using a third-party application, such as SQUARE or FACEBOOK, or any other location identifying application. In yet another example embodiment, the consumer can check in via biometrics, such as via a fingerprint scanner or eye scanner at the merchant location. In still another example embodiment, the vehicle the consumer is in could provide geolocation information to the mobile commerce application program 116 at the consumer mobile device 120. In yet another example embodiment, the consumer can launch the mobile commerce application program 116 and/or specifically the check-in to pump gas module 230 when the consumer arrives at the merchant location. The consumer can input the location information or scan tags or codes at her merchant location to obtain geolocation information for the mobile commerce application program.

In block 510, if not already done so, the mobile commerce application program 116 is launched on the consumer mobile device 120. In one example embodiment, the mobile commerce application program 116 with the check-in to pump gas module 230 launches automatically in response to the location service determining that the consumer mobile device 120 has checked in via the location service 132 of the merchant system 112. In another embodiment, the mobile commerce application program 116 launches in response to the consumer manually selecting an icon associated with the program app on the touch-enabled display of the consumer mobile device 120. The consumer can then check-in by manually selecting a radio button or icon on the display of the consumer mobile device 120. Alternatively, the mobile commerce application program 116, once opened, can automatically check the consumer in at the merchant's location. In yet another example embodiment, the mobile commerce application program 106 may be launched in response to scanning the code, such as the QR code or bar code at a merchant location or in response to the near field communication with the merchant system at the merchant. In yet another example embodiment, the mobile commerce application program 116 can launch based on information provided by a third-party application, such as SQUARE or FACEBOOK, or any other location identifying application. In still another example embodiment, the mobile commerce application program 116 can launch based on location information received from the consumer's vehicle.

In block 515, the check-in to pump gas module 230 transmits location information (e.g., via the location service 144, QR code, or near field communication) and consumer identification information of the consumer to the mobile commerce application program 108 at the merchant system 112 via the network 126. In block 520, the mobile commerce application program 108 of the merchant system 112 can check the consumer mobile device 120, and relatedly the consumer, into the merchant location via, for example, the mobile commerce application program 108. In block 525, a request is transmitted to determine the desired services from the merchant system 112 to the consumer mobile device 120. For example, in the gas station context, the merchant mobile commerce application program 108 sends via the network 126, and the check-in to pump gas module 230 on the device 120 receives and displays a request for the number of the pump that the consumer wishes to receive gas from. In alternative embodiments, the merchant mobile commerce application program 108 can generate and send a request listing one or more products and/or services offered by the merchant for display on the mobile commerce application program 116 on the consumer mobile device 120.

In block 530, the consumer mobile device 120 receives a reply input that identifies the product or service. In one example embodiment, the consumer manually selects the reply to the request displayed by the check-in to pump module 230. For example, in the gas station context, using the check-in to pump module's UI on the consumer mobile device 120 or other client device, the consumer inputs the pump number into a field provided by the check-in to pump gas module 230 on the display of the consumer mobile device 120. In block 535, a display of payment options is generated at the consumer mobile device 120. In one embodiment, the check in to pump gas module's UI can display a payment method request to the consumer and provide a display or listing of payment options for paying for the gas on the display of the consumer mobile device 120 or other client device. In one example embodiment, the payment options can be retrieved by the mobile commerce application program 116 from the bill payment module 224 or the check-in to pump gas module 230 based on information previously stored in the mobile commerce application program 116. Alternatively, the mobile commerce application program 116 can retrieve the payment options for the consumer from the server transaction processing system 106 via the network 126.

In block 540, an input can be received at the I/O interface 142 of the consumer mobile device 120 that corresponds to a selection of the payment method. In one example embodiment, the consumer can select the payment method, for example one of the payment methods pre-registered by the consumer, by, for example, manually selecting an icon associated with the desired payment method on the touch-enabled display of the consumer mobile device 120. The consumer mobile device 120 can transmit the selected service and the selected payment option to the merchant system 112 either directly or via the server transaction processing system 106 and the network 126. For example, the selected service along with an authorization token for the selected payment option can be transmitted to the server transaction processing system 106 which can provide the selected payment information for processing to the merchant system 112 or a third-party payment provider. In one example, the pump number and the payment method are transmitted from the consumer mobile device 120 to the server transaction processing system 106 and subsequently to the merchant system 112, such as to the merchant's POS device or other client device of the merchant for pre-authorization of the gas purchase.

In block 550, the purchase is authorized at the merchant system 112, such as the merchant POS device. In block 555, if pre-authorization is granted, a notification or signal is transmitted to the consumer mobile device 120 and/or the merchant device 136. In one example embodiment, the notification is sent from the merchant system 112 to the consumer mobile device 120 either directly or via the server transaction processing system 106 and the network 126. In addition, the merchant system 112 transmits a signal to the selected pump 136 to “unlock” it and allow the consumer to begin pumping gas. The consumer is provided access to the desired product/service in block 560. In the gas station example, the consumer selects the fuel grade at the unlocked pump, if necessary, and begins fueling a vehicle with gas or another fuel type. In other embodiments, the consumer may be provided access to the selected product or service after receiving notification of authorization.

In block 565, advertising may be transmitted to the consumer mobile device 120 from the server transaction processing system 106 or the merchant system 112. In one example embodiment, while pumping gas, offers for additional goods and/or services or advertisements related to the merchant can be transmitted via the server transaction processing system 106 or the merchant system 112 to the check-in pump gas module 230 of the mobile commerce application program 116 for display on the consumer mobile device 120. The ads can be generally provided to all consumers or ads can be identified based on demographic or other information about the consumer, information about the consumer's purchase history with the merchant and/or other similar merchants, or other information, such as time of day or date. In block 570, when the purchase is complete, an electronic receipt can be generated and transmitted to the mobile commerce application program 116 at the consumer mobile device 116. In the gas station example, when the consumer finishes pumping gas and puts the pump back up in the holder, the pump 136 can transmit a signal to the merchant system 112 notifying the merchant system 112 that the consumer is complete and the final transaction cost. The mobile commerce application program 108 at the merchant system 112 can then generate the receipt and transmit the receipt either directly or via the server transaction processing system 106 and network 126 to the mobile commerce application program 116 at the consumer mobile device 120 for display by the check-in to pump gas module 230. In block 575, loyalty rewards, points, or coupons related to the purchase can be transmitted to the consumer mobile device 120. For example, the loyalty rewards, points, or coupons can be sent by either the merchant system 112 or the server transaction processing system 106 and can be sent for storage and/or display in the loyalty rewards module 202 of the mobile commerce application program 116 or can be transmitted to the device 120 via email or text message. In certain example embodiments, purchase or loyalty rewards can be provided to the consumer by way of the mobile commerce application program 102, 108, or 116 for certain predefined purchases or purchase levels. In addition, coupons for future purchases can be provided to the consumer via the loyalty rewards module 202 of the mobile commerce application program 102, 108 or 116. The process then continues to the END block.

In an another embodiment, the consumer desires to make additional purchases from inside the store associated with the merchant and to pay for those items using the consumer mobile device 120, such as after or during the time the vehicle is being fueled. The user interface for the mobile commerce application program 116 displays an option to enter the pump number as described above or to pay inside on the display of the consumer mobile device 120. The consumer can select to pay inside by manually selecting the icon associated with that request and the information is transmitted from the consumer mobile device 120 to the merchant system 112 and/or the server transaction processing system 106. The check-in to pump gas module 230 user interface can display a payment method request to the consumer and provide a display or listing of payment options for paying for the addition merchant goods and/or services on the display of the consumer mobile device 120. The consumer can select the payment method, for example one of the payment methods pre-registered by the consumer, by, for example, manually selecting an icon associated with the desired payment method on the touch-enabled display of the consumer mobile device 120. The payment method selection or an authorization token associated with the selected payment method can be transmitted from the consumer mobile device 120 to the merchant system 112 and/or the server transaction processing system 102 via the network 126. The server transaction processing system 106 can determine the information for the selected payment method based on the authorization token and can transmit the information for the payment method to the merchant system 112, such as to the merchant POS device 112 or other client device at the merchant location for purchase of the additional goods and/or services. Alternatively, the information can be transmitted from the consumer mobile device 120 the merchant's POS device 120 via near-field communication by placing the consumer mobile device 120 or other client device against or in close proximity to a near-field communication device 136 of the merchant.

Another embodiment of a method is presented in FIG. 6. FIG. 6 is a flow chart illustrating an example method for presenting targeted advertising and promotions on a consumer mobile device during a gasoline purchase according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 6 the method 600 that begins at block 605, where a consumer selects a product for purchase or prepares to purchase a product. In block 610, the consumer swipes a payment card (e.g., a credit card, debit card, gift card, discount card, or pre-paid card) at a merchant system 112, such as a merchant POS device 112. The payment card information is transmitted from the merchant system 112 to a third party transaction system 124 via the network 126 for authorization in block 615. As part of block 615, the payment card information can also be transmitted to the server transaction processing system 102. In block 620, the consumer associated with the payment card information is determined. For example, the mobile commerce application program 102 of the server transaction processing system 106 can compare the payment card information to a database of consumer information that includes payment method information for consumers to determine if a match exists. If a match of payment card information is identified, the mobile commerce application program 102 of the server transaction processing system 106 can determine the consumer and information about the consumer mobile device 120 associated with the consumer.

In block 625, the demographic and/or purchase history for the identified consumer is determined. For example, the server transaction processing system 106 can parse a database of consumer information to determine demographic and purchase history information about the consumer. In another example, the server transaction processing system 106 can transmit identifying information about the consumer to the merchant system 112 or a third-party system, which can make the demographic and/or purchase history determinations. In block 630, one or more advertisements can be selected based on the consumer demographic or purchase history and can be transmitted to the consumer mobile device 120 and displayed by the mobile commerce application program 116, such as the check-in the pump gas module 230. The advertisements can be general advertisements distributed to all consumers or can be targeted to the consumer based on one or more demographic features and/or the purchase history for the consumer. In one example embodiment, the advertisements are transmitted from the merchant system 112 to the consumer mobile device 120 via the network 126. If the purchase is not complete, the NO branch is followed back to block 630 where ads may continue to be presented to the consumer on the display of the consumer mobile device 120.

If the purchase is complete the process follows the YES branch to block 640, where loyalty rewards, points, or coupons related to the purchase can be transmitted to the consumer mobile device 120. For example, the loyalty rewards, points, or coupons can be sent by either the merchant system 112 or the server transaction processing system 106 and can be sent for storage and/or display in the loyalty rewards module 202 of the mobile commerce application program 116 or can be transmitted to the device 120 via email or text message. In certain example embodiments, purchase or loyalty rewards can be provided to the consumer by way of the mobile commerce application program 102, 108, or 116 for certain predefined purchases or purchase levels. In addition, coupons for future purchases can be provided to the consumer via the loyalty rewards module 202 of the mobile commerce application program 102, 108, or 116. The process then continues to the END block.

Another embodiment of a method 700 is presented in FIG. 7. FIG. 7 is a flow chart illustrating another example method for presenting targeted advertising and promotions on a consumer mobile device during a gasoline purchase according to certain example embodiments of the disclosure. Now referring to FIGS. 1, 2, and 7, the example method 700 begins at block 705, where a consumer selects a product for purchase or prepares to purchase a product. In block 710, a determination is made as to whether the consumer will be paying for the purchase using cash or a payment card (e.g., a credit card, debit card, gift card, discount card, or pre-paid card). If the consumer is using a payment card, the Credit branch is followed to block 720, where the consumer swipes a payment card at a merchant system 112, such as a merchant POS device 112. In addition, the consumer inputs the phone number associated with the consumer mobile device 120 in block 725. If the purchase will be a cash purchase, the Cash branch is followed to the block where the consumer makes a cash payment at the merchant system 112, such as the merchant POS device 112. In addition, the merchant or consumer inputs the phone number associated with the consumer mobile device 120.

In block 730, the phone number information is transmitted from the merchant system 112 to the server transaction processing system 106 via the network 126. In block 735, the consumer associated with the phone number is determined. For example, the mobile commerce application program 102 of the server transaction processing system 106 can compare the phone number provided to a database of consumer information that includes phone numbers for consumer mobile devices associated with the consumers to determine if a match exists. If a match of phone numbers is identified, the mobile commerce application program 102 of the server transaction processing system 106 can determine the consumer and information about the consumer mobile device 120 associated with the consumer.

In block 740, the demographic and/or purchase history for the identified consumer is determined. For example, the mobile commerce application program 102 of the server transaction processing system 106 can parse a database of consumer information to determine demographic and purchase history information about the consumer. In another example, the mobile commerce application program 102 of the server transaction processing system 106 can transmit identifying information about the consumer to the mobile commerce application program 108 of the merchant system 112 or a third-party system, which can make the demographic and/or purchase history determination. In block 745, one or more advertisements can be selected and transmitted to the consumer mobile device 120 and displayed by the mobile commerce application program 116, such as the check-in the pump gas module 230. The advertisements can be general advertisements distributed to all consumers or can be targeted to the consumer based on one or more demographic features and/or the purchase history for the consumer. In one example embodiment, the advertisements are transmitted from the merchant system 112 to the consumer mobile device 120 via the network 126. If the purchase is not complete, the NO branch is followed back to the prior block where ads may continue to be presented to the consumer on the display of the consumer mobile device 120.

If the purchase is complete the process follows the YES branch to block 755, where loyalty rewards, points, or coupons related to the purchase can be transmitted to the consumer mobile device 120. For example, the loyalty rewards, points, or coupons can be sent by either the merchant system 112 or the server transaction processing system 106 and can be sent for storage and/or display in the loyalty rewards module 202 of the mobile commerce application program 116 or can be transmitted to the consumer mobile device 120 via email or text message. In certain example embodiments, purchase or loyalty rewards can be provided to the consumer by way of the mobile commerce application program 102, 108, or 116 for certain predefined purchases or purchase levels. In addition, coupons for future purchases can be provided to the consumer via the loyalty rewards module 202 of the mobile commerce application program 102, 108, or 116. The process then continues to the END block. FIGS. 8 and 9 illustrate example displays of a user interface presented on a consumer mobile device to communicate notices of offers or promotions during a gasoline purchase according to certain example embodiments of the disclosure. Any one of these example displays may be used with any one or more of the methods discussed above in FIGS. 3-7.

Buy Car Wash

In some instances, consumers want to be able to purchase products directly from their phone without going through a merchant POS device 112 and at times without having to exit their automobile. As one non-limiting example, consumers sometimes desire to purchase a car wash or similar product at a gas station or similar merchant without having to exit the vehicle and/or speak to an employee of the merchant. Certain embodiments of the disclosure can provide systems and processes for facilitating the purchase of a car wash or other product or service with a mobile device or other client device and automatically receiving a code for operating the car wash or providing access to another product or service at the mobile device or other client device. The methods can be implemented on a consumer mobile device 120 or other client device. For example, FIGS. 10-13 illustrate example methods 1000, 1100, 1200, and 1300 for remotely accessing an initiating receipt of products and/or services from a merchant at a merchant location according to certain embodiments of the disclosure. The following methods 1000, 1100, 1200, and 1300 are described with reference to a merchant that is a gas station or similar and provides a car wash that is started with the use of a code. However, the example method is not so limited to this type of merchant or product and can be applied to any merchant irrespective of their type of business if access to certain products or services requires a code or proximity of the consumer mobile device 120 near the product or service for the product or service to be received.

FIG. 10 is a flow chart illustrating another example method for creating a mobile commerce application program according to certain example embodiments of the disclosure. With reference now to FIGS. 1, 2, and 10, the example methods 1000 begins at block 1005, where a network link is provided for access by a merchant (e.g., via a merchant system 112 or device) to a hosted website 134 or payment application program. For example, a merchant system 112 may be provided access to a mobile commerce application program 102 at the server transaction processing system 106, which may include a bill payment module 224. In one example, by way of a client device, such as a merchant system 112, a merchant can link via the network 126 to the bill payment module 224 of the mobile commerce application program 102 on the server transaction processing system 106 to configure a customized payment program.

In block 1010, one or more templates and/or user interfaces are presented to prompt the merchant for payment parameters. For example, the bill payment module 224 may generate or otherwise present to the merchant at the merchant system 112 a series of templates or predefined user interfaces. In block 1015, merchant parameters for an opt-in mobile payment program are received from the merchant via the merchant system 112 and the network 126. For instance, a hosted website 134 or bill payment module 224 on the server transaction processing system 106 can implement a set of computer-executable instructions to enable an opt-in mobile payment program. When prompted, the merchant can select one or more parameters for a payment program via the merchant system 112, such as payment methods that can be used, any minimum payment requirements associated with one or more of the payment methods (e.g. minimum amount for use of a credit card, debit card, pre-paid card, stored value card, or gift card), any additional fees that will be added to a transaction if certain payment methods are used (e.g., additional fees for use of a credit card, debit card, pre-paid card, stored value card, or gift card), and any additional information that will need to be provided by a consumer when using particular payment methods.

In block 1020, a logo, other trademark, trade name, or other business identifier for the merchant can be received from the merchant system 112 at the bill payment module 224 of the mobile commerce application program 102 for inclusion in the opt-in mobile payment program. For example, when prompted, the merchant can upload a business logo from the merchant system 112 to the bill payment module 224 at the server transaction processing system 106. In block 1025, a downloadable mobile commerce application program 116 for use by a consumer can be generated. For instance, after the merchant inputs the business logo and parameters for a payment program, the bill payment module 224 or hosted website 134 can execute a set of computer-executable instructions to implement the merchant's payment program, such as offering the program as a consumer downloadable mobile commerce application program 116 or app in a mobile application store or website. In some embodiments, the mobile commerce application program 116 may be branded with the merchant's logo and/or name and may include a buy car wash module 232 or provide access thereto. In some embodiments, the mobile commerce application program 106 may be the same application program for some or all merchants, or those merchants within a single classification or geographical location. In the manner described above, various merchants, regardless of size, can adopt and implement a bill payment module 224 as a part of a mobile payment application program 116.

FIG. 11 is a flow chart illustrating another example method for setting up a consumer account on a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 11, the example method 1100 can begin at block 1105, where the server transaction processing system 106 or the merchant system 112 receives a request to download a merchant mobile payment program, such as the mobile commerce application program 116 that includes a buy car wash module 232 or other module directed towards the merchant or the products/services of the merchant. The consumer mobile device 120 or other client device can communicate, with the server transaction processing system 106 or the merchant system 112 via a network 126, some or all information associated with a scanned QR code, a bar code, information provided via near-filed communication, or other code or a name input from the consumer at the consumer mobile device 120.

In block 1110, a merchant mobile commerce application program 116 can be transmitted to and access can be provided to the consumer mobile device 120. Using the information received in the previous block, the server transaction processing system 106 can identify the merchant's mobile payment program, and download the consumer downloadable mobile commerce application program 116 to the consumer mobile device 120 via the network 126. In one example embodiment, the mobile commerce application program 116, including the buy car wash module 232, can be transmitted via the network 126 from the server transaction processing system 106 to the consumer mobile device 120 for download. For example, by way of a consumer mobile device 120, a consumer can download a merchant-branded mobile commerce application program 116 that includes the buy car wash module 232 to the consumer mobile device 120.

In block 1115, the application program 106 can generate and display on the consumer mobile device 120 one or more account set-up prompts. For example, the prompts can include one or more fields for receiving consumer identification information including personal information and any other types of information known to the consumer for creating a personalized account for the buy car wash module 232. In block 1120, one or more inputs associated with the set-up prompts can be received at the I/O interface 142 of the consumer mobile device 120. For example, when prompted, the consumer can create an account and input certain personal information to the mobile commerce application program 116, such as the consumer's name, address, mobile telephone number, email, social security number, or messaging address. In block 1125, consumer payment method information can be received at the consumer mobile device 120. For example, the payment method information may include payment card account information (e.g., credit card account information, debit card account information, pre-paid card account information, stored value card account information, gift card account information, etc.) checking account information, and/or savings account information. This payment method information may be previously stored or accessible via an authorization token on the consumer mobile device 120, such as in the bill payment module 224. As such, the buy car wash module 232 may retrieve stored payment method information in memory 118 or from the server transaction processing system 106 that is associated with the consumer and can display the payment method information for selection on the display of the consumer mobile device 120. In certain instances, all or a portion of this consumer identification information and payment method information may be stored in memory 118 of the consumer mobile device 120 or in the memory 106 or a database associated with the server transaction processing system 106 and accessible via an authorization token stored in the memory 118 of the consumer mobile device 120 or as part of the buy car wash module 232 on the consumer mobile device 120. Optionally, in block 1130, a PIN code for accessing the consumer account can be received at the consumer mobile device 120. For example, the consumer can input a PIN or other code at the display for use in accessing the consumer's account in the buy car wash module 232. In this way, access to the consumer's personal information and payment method information may be secured.

After the consumer account has been configured, and the mobile payment application program 116, such as the buy car wash module 232 has stored information associated with the consumer account, the consumer can utilize the account via a user interface provided by the consumer downloadable mobile commerce application program 116 as a digital payment device in the merchant's mobile payment program, such as via the mobile commerce application program 108. The mobile commerce application program 116 can provide the consumer with any number of tools to facilitate purchases, such as near-field communication, a QR code scanner, bar code scanner, a payment button, a keypad, a voice input payment command, etc. In some example embodiments, the consumer can verify a payment command or instruction by entering his or her PIN or other code.

FIG. 12 is a flow chart illustrating an example method for providing information and access to products and services of a merchant at a merchant location via a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure. Now referring the FIGS. 1, 2, and 12, the example method 1200 begins at block 1205, where an indication is received that the consumer mobile device 120 has entered or is within a predetermined distance of the merchant location. In one example, as a consumer pulls up to a gas pump at the merchant location an alert or notification may be triggered on the consumer mobile device 120 or other client device when the device 120 is within a predefined range of the merchant, such as on the merchant's property. The alert can be triggered via a location-based service 132 on the merchant system identifying or receiving a signal from the location service 144 on the consumer mobile device 120. In another example, the consumer can scan a code (e.g., a QR code, bar code or other one-dimensional or two-dimensional code) to indicate that the consumer mobile device 120 is on the merchant property. In another example, the consumer can check-in to the merchant, such as a gas station, by placing the consumer mobile device adjacent a merchant device for conducting near-field communication. In yet another example embodiment, the consumer can check-in to the merchant location using a third-party application, such as SQUARE or FACEBOOK, or any other location identifying application. In yet another example embodiment, the consumer can check in via biometrics, such as via a fingerprint scanner or eye scanner at the merchant location. In still another example embodiment, the vehicle the consumer is in could provide geolocation information to the mobile commerce application program 116 at the consumer mobile device 120. In yet another example embodiment, the consumer can launch the mobile commerce application program 116 and/or specifically the check-in to pump gas module 230 when the consumer arrives at the merchant location. The consumer can input the location information or scan tags or codes at her merchant location to obtain geolocation information for the mobile commerce application program.

In block 1210, if not already done so, the mobile commerce application program 116 is launched on the consumer mobile device 120. In one example embodiment, the mobile commerce application program 116 with the check-in to pump gas module 230 launches automatically in response to the location service determining that the consumer mobile device 120 has checked in via the location service 132 of the merchant system 112. In another embodiment, the mobile commerce application program 116 launches in response to the consumer manually selecting an icon associated with the program app on the touch-enabled display of the consumer mobile device 120. The consumer can then check-in by manually selecting a radio button or icon on the display of the consumer mobile device 120. Alternatively, the mobile commerce application program 116, once opened, can automatically check the consumer in at the merchant's location. In yet another example embodiment, the mobile commerce application program 106 may be launched in response to scanning the code, such as the QR code or bar code at a merchant location or in response to the near field communication with the merchant system at the merchant. In yet another example embodiment, the mobile commerce application program 116 can launch based on information provided by a third-party application, such as SQUARE or FACEBOOK, or any other location identifying application. In still another example embodiment, the mobile commerce application program 116 can launch based on location information received from the consumer's vehicle.

In block 1215, the buy car wash module 232 of the mobile commerce application program 116 transmits location information (e.g., via the location service 144, QR code, bar code, or near field communication) and consumer identification information of the consumer to the merchant system 112 via the network 126. In block 1220, the merchant system 112 can check the consumer mobile device 120, and relatedly the consumer, into the merchant location via, for example, the mobile commerce application program 108. In block 1225, a request is transmitted to determine the desired product and/or services (e.g., purchase options) from the merchant system 112 to the consumer mobile device 120 via the network 126. For example, in the car wash context at the gas station, the merchant mobile corner application program 108 can send via the network 126, and the buy car wash module 232 on the device 120 receives and displays a request for the products and/or services desired by the consumer and/or a listing of the products or services offered by the merchant at the merchant location or any other location. In one example, a listing of products could include gas, car wash, air, water, and/or consumer products available inside of the gas station. In another embodiment outside of the gas station context, it could list parking space and/or meter numbers and the cost for different amounts of time for the meters.

In block 1230, the consumer mobile device 120 receives a reply input that identifies the products and/or services desired by the consumer. In one example embodiment, the consumer manually selects the reply to the request displayed by the buy car wash module 232 of the mobile commerce application program 116. For example, in the car wash context, using the buy car wash module's user interface on the consumer mobile device 120, the consumer selects the button on the user interface to purchase a car wash from the merchant in a field provided by the buy car wash module 232 mobile commerce application program 116 on the display of the consumer mobile device 120. The selection can then be transmitted from the consumer mobile device 120 to the merchant system 112 either directly or via the server transaction processing system 106. In block 1235, pricing for the selected products and/or services is determined. In one example embodiment, pricing is determined at the merchant system 112 or the server transaction processing system 106 at the mobile commerce application program 102 or 108.

In block 1240, the pricing is transmitted from the merchant system 112, such as a POS system 112, to the consumer mobile device 120 either directly or via the server transaction processing system 106 and the network 126. The pricing is then displayed by the mobile commerce application program 116 at the consumer mobile device 120. For example, the buy car wash module 232 of the mobile commerce application program 116 can receive and display the pricing on the consumer mobile device 120. In block 1245, a display of payment options is generated at the consumer mobile device 120. For example, the user interface for the buy car wash module 232 can display the cost of the car wash (or other selected products and/or services) and the payment options for paying for the car wash on the display of the consumer mobile device 120. In one example embodiment, the payment options can be retrieved from the bill payment module 224 or the buy car wash module 232 of the mobile commerce application program 116 based on information previously stored in the mobile commerce application program 116.

In block 1250, an input can be received at the I/O interface 142 of the consumer mobile device 120 that corresponds to a selection of the payment method. In one example embodiment, the consumer can select the payment method, for example one of the payment methods pre-registered by the consumer, by, for example, manually selecting an icon associated with the desired payment method on the touch-enabled display of the consumer mobile device 120.

Optionally, in block 1255, coupon or discount information, if any, can be selected for use in the transaction. For example, the coupon or discount can be downloaded or retrieved by the buy car wash module 232 or the loyalty/rewards module 202 of the mobile commerce application program 116 on the consumer mobile device 120. In block 1260, the consumer mobile device 120 can transmit the selected service, the selected payment option, and any coupon or discount information, if any, to the merchant system 112 either directly or via the server transaction processing system 106 and the network 126. For example, the selected products or services along with an authorization token for the selected payment option and any coupon/discount information can be transmitted to the server transaction processing system 106 which can provide the selected payment information for processing along with the pricing or product selection information and the coupon or discount information to the merchant system 112 or a third-party payment provider 124. In one example, the selection of a car wash and/or price, an authorization token representing the selected payment method, and an electronic coupon are transmitted from the consumer mobile device 120 to the server transaction processing system 106. The server transaction processing system 106 then transmits the selection of the car wash and/or price, the selected payment information (based on the received token) and the electronic coupon to the merchant system 112, such as to the merchant's POS device 112 or other client device of the merchant for payment authorization.

In block 1265, a determination is made if the purchase will be accepted and if the payment method is accepted. In one example embodiment, the purchase and payment method are authorized at the merchant system 112, such as the merchant POS device 112. Alternatively, the determination can be made by a third-party processor communicably coupled to the merchant's system 112 (e.g., POS device). In block 1270, if the purchase is authorized, a notification or signal is transmitted to the consumer mobile device 120 and/or the merchant device 136. In one example embodiment, the notification is sent from the merchant system 112 to the consumer mobile device 120 either directly or via the server transaction processing system 106 and network 126. The notification or signal is received by the buy car wash module 232 of the mobile commerce application program 116 and displayed on the consumer mobile device 120 by the module 232. In certain embodiments, the notification is also transmitted to the car wash 136 or other merchant device 136.

In block 1275, the consumer is provided access to the desired products and/or services. In certain example embodiments, the notification may include a code (e.g., an alphanumeric code, bar code, QR code, or an ability to transmit start instructions via near-field communication using the consumer mobile device 120 and the location service 144). For example the consumer may be able to read a code displayed by the buy car wash module 232 of the mobile commerce application program 116 on the display of the consumer mobile device 120 and input it into a keypad or voice recognition device at the controller for the car wash or other product (e.g., parking meter, air compressor, vending machine) offered by the merchant. Alternatively, the controller for the car wash 136 or other product may include a QR code reader 138 or bar code reader 138 such that the buy car wash module 232 on the consumer mobile device 120 can display the bar code or QR code, which can activate the car wash 136 or otherwise provide access to the product. In another example embodiment, data is provided to the buy car wash module 232, which can transmit that data (e.g., a start code) from the consumer mobile device 120 to the controller 138 of the car wash 136 or other product (e.g., parking meter, air compressor, vending machine) via near field communication by, for example, positioning the consumer mobile device 120 against or adjacent to a pad 138 or other sensor provided for near-field communication and transmitting the code via near-field communication.

In block 1280, advertising may be transmitted to the consumer mobile device 120 from the server transaction processing system 106 or the merchant system 112. In one example embodiment, while in the car wash 136 or receiving other products and/or services from the merchant, or simply while still on the merchant property or within a predetermined distance of the merchant property based on information provided by the location service 132 and 144 on the merchant system 112 and the consumer mobile device 120, offers for additional products and/or services or advertisements related to the merchant can be transmitted via the server to the buy car wash module 232 of the mobile commerce application program 116 for display on the consumer mobile device 120. The ads can be generally provided or ads can be identified based on demographic or other information about the consumer, information about the consumer's purchase history with the merchant and/or other similar merchants, or other information, such as time of day or date. In block 1285, when the purchase is complete and/or receipt of the products and/or service are complete, an electronic receipt can be generated and transmitted to the consumer mobile device 120. In the car wash example, when the car wash is complete, the car wash 136 or the controller 138 for the car wash can be communicably coupled to and transmit a signal to the merchant system 112 notifying the merchant system 112 that the car wash is complete. The merchant system 112 can then generate the receipt and transmit the receipt either directly or via the server transaction processing system 106 to the consumer mobile device 120 for display by the buy car wash module 232 of the mobile commerce application program 116.

In block 1290, loyalty rewards, points, or coupons related to the purchase can be transmitted to the consumer mobile device 120. For example, the loyalty rewards, points, or coupons can be sent by either the merchant system 112 or the server transaction processing system 106 and can be sent for storage and/or display in the loyalty rewards module 202 of the mobile commerce application program 116 or can be transmitted to the device 120 via email or text message. In certain example embodiments, purchase or loyalty rewards can be provided to the consumer by way of the mobile commerce application program 102, 108, or 116 for certain predefined purchases or purchase levels. In addition, coupons for future purchases can be provided to the consumer via the loyalty rewards module 202 of the mobile commerce application program 102, 108, or 116. The process then continues to the END block.

FIG. 13 illustrate example displays of a user interface presented on a consumer mobile device to communicate information regarding products and services and to provide access to products and services of a merchant at a merchant location according to certain example embodiments of the disclosure. Any one of these example displays may be used with any one or more of the methods discussed above in FIGS. 10-12.

Drive Consumer at Pump Inside

In some instances, merchants who offer products and purchasing capabilities at more than one location in a small, defined area desire to attract consumers from one product offering area to another to increase sales. For example many gas station merchants offer consumers the convenience of paying for gas at each pump while also offering other products that are desired by customers inside a store located near the pumps. Certain embodiments of the disclosure can provide systems and processes for enabling a targeted mobile device advertising program offered by each merchant gas stations and similar stores the consumer visits. The methods can be implemented on a consumer mobile device 120 or other client device. For example, FIGS. 14-21 illustrate example methods 1400, 1500, 1600, 1665, and 2000 for facilitating the distribution of merchant-related advertising to a consumer mobile device 120 at or near a merchant location according to certain embodiments of the disclosure. The following method is described with reference to a merchant that is a gas station or similar convenience type store. However, the example method is not so limited and can be applied to any merchant, irrespective of their type of business, to provide a way for supplying general and/or targeted advertising for display on the mobile device 120 of a consumer at or near the merchant.

FIG. 14 is a flow chart illustrating another example method 1400 for creating a mobile commerce application program according to certain example embodiments of the disclosure. With reference now to FIGS. 1, 2, and 14, the example method 1400 begins at block 1405, where a network link is provided for access by a merchant (e.g., via a merchant system 112 or device) to a targeted advertising and/or payment application program 102. For example, a merchant system 112 may be provided access to a mobile commerce application program 102, which may include a bill payment module 224 and or a drive consumer inside module 234. In one example, by way of a client device, such as a merchant system 112, a merchant can link via the network 126 to the bill payment module 234 of the mobile commerce application program 102 on the server transaction processing system 106 to configure a customized target advertising and payment program.

In block 1410, one or more templates and/or user interfaces are presented to prompt the merchant for payment parameters at the merchant system 112. For example, the bill payment module 224 of the mobile commerce application program 102 may generate or otherwise present to the merchant at the merchant system 112 a series of templates or predefined user interfaces. In block 1415, merchant parameters for an opt-in targeted advertising and mobile payment program are received from the merchant at the merchant system 112. For instance, bill payment module 224 or drive consumer inside module 234 of the mobile commerce application program 102 on the server transaction processing system 106 can implement a set of computer-executable instructions to enable an opt-in targeted advertising and mobile payment program 116. When prompted, the merchant, via the merchant system 112, can select one or more parameters for a payment program, such as payment methods that can be used, any minimum payment requirements associated with one or more of the payment methods (e.g., minimum amount for use of a credit card, debit card, pre-paid card, stored value card, gift card, etc.), any additional fees that will be added to a transaction if certain payment methods are used (e.g. additional fees for use of a credit card, debit card, pre-paid card, stored value card, gift card, etc.), and any additional information that will need to be provided by a consumer when using particular payment methods.

In block 1420, a logo, other trademark, trade name, or other business identifier for the merchant can be received from the merchant system 112 for inclusion in the opt-in targeted advertising and mobile payment program 116. For example, when prompted, the merchant can upload, via the merchant system 112 a business logo from the merchant system to the bill payment module 224 or drive consumer inside module 234 of the mobile commerce application program 102 at the server transaction processing system 106. In block 1425, advertisements can be received for inclusion in the merchant advertising program. In one example embodiment, the advertisements can be provided by the merchant system 112 and/or stored in the merchant system 112 for access by the mobile commerce application program 108 when transmission to a consumer mobile device 120 will occur. For example, each advertisement can be directed to all or a particular subset of consumers while they are making a purchase or just generally located at the merchant. Alternatively, these advertisements can be modified and uploaded over time and during different times based on changing products and changing purchase patterns of consumers who shop with the merchant. In block 1430, historical purchase information and/or demographic information can be received for multiple consumers. The historical purchase information may be global, for merchants having more than one store, by individual store, and/or by consumer, based on previous purchases attributed to the consumer. In one embodiment, the purchase history and demographic information is provided by the merchant system 112 to the bill payment module 224 or drive consumer inside module 234 of the mobile commerce application program 102 of the server transaction processing system 106. Alternatively, it is provided by a third-party or from personal information sent from the consumer mobile device 120 when the consumer checks-in to the merchant.

In block 1435, a downloadable application 116 for use by a consumer can be generated. For instance, after the merchant inputs the business logo, parameters for a payment program, advertisements, and/or historical purchase and demographic information, the bill payment module 224 or drive consumer inside module 234 of the mobile commerce application program 102 of the server transaction processing system 106 can execute a set of computer-executable instructions to implement the merchant's targeted advertising and payment program, such as by offering the program as a consumer downloadable mobile commerce application program 116 or app in a mobile application store or website 134. In some example embodiments, the mobile commerce application program 116 may be branded with the merchant's logo and/or name and may include a drive consumer inside module 234 or provide access thereto. In some embodiments, the mobile commerce application program 116 may be the same application program for some or all merchants, or those merchants within a single classification or geographical location. In the manner described above, various merchants, regardless of size, can adopt and implement a drive consumer inside module 234 as a part of a targeted advertising and mobile payment application program 116.

FIG. 15 is a flow chart illustrating another example method for setting up a consumer account on a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 15, the example method 1500 can begin at block 1505 with receiving a request to download a merchant targeted advertising and mobile payment program, such as the mobile commerce application program 116 that includes a drive consumer inside module 234 or other module directed towards advertising for the merchant or the products/services of the merchant. In one example embodiment, a consumer can use near-field communication, scan a QR code or otherwise input an identifying code or name associated with the merchant's targeted advertising and mobile payment program 116 into a mobile application store or website 134. The consumer mobile device 120 can communicate, with the server transaction processing system 106 via a network 126, some or all information associated with a scanned QR code, bar code, information provided via near-filed communication, or other code or name input from the consumer at the consumer mobile device 120.

In block 1510, a merchant mobile payment program 116 can be transmitted to and access can be provided to the consumer mobile device 120. Using the information received in the previous block, the server transaction processing system 106 can identify the merchant's targeted advertising and mobile payment program, and download the consumer downloadable mobile commerce application program 116 to the consumer mobile device 120. In one embodiment, the mobile commerce application program 116, including the drive consumer inside module 234, can be transmitted via the network 126 from the server transaction processing system 106 to the consumer mobile device 120 for download. For example, by way of a consumer mobile device 120, a consumer can download a merchant-branded targeted advertising and mobile commerce application program 116 that includes the drive consumer inside module 234 to the consumer mobile device 120.

In block 1515, the application program 106 can generate and display on the consumer mobile device 120 one or more account set-up prompts. For example, the prompts can include one or more fields for receiving personal information, demographic information, and any other types of information known to the consumer for creating a personalized account for the drive consumer inside module. In block 1520, one or more inputs associated with the set-up prompts can be received at the I/O interface of the consumer mobile device 120. For example, when prompted, the consumer can create an account and input certain consumer identification information, including personal information, and demographic information to the mobile commerce application program 116, such as a consumer's name, address, mobile telephone number, email, social security number or messaging address, age, race, marital status, sex, education, salary range, etc.

In block 1525, consumer payment method information can be received at the consumer mobile device 120. For example, the payment method information may include a bank account number, payment device number, security code, payment card number (e.g., credit card number, debit card number, pre-paid card number, gift card number, stored value card number, discount card number) and associated information, debit card number and associated information, loyalty card number and associated information, gift card number and associated information, etc., and, in some instances, the consumer can charge, load, or otherwise authorize the account with a pre-paid value for use in purchasing the merchant's goods and/or services. This payment method information may be previously stored or accessible via an authorization token on the consumer mobile device 120, such as in the bill payment module 224. As such, the drive consumer inside module 234 may retrieve stored payment method information in memory 118 of the consumer mobile device 120 or from the server transaction processing system 106 that is associated with the consumer and can display the payment method information for selection on the display of the consumer mobile device 120. In certain instances, all or a portion of this consumer identification information, demographic information, and payment method information may be stored in memory 118 of the consumer mobile device 120 or in the memory 104 or a database associated with the server transaction processing system 106 and accessible via an authorization token stored in the memory 118 of the consumer mobile device 120 or as part of the drive consumer inside module 234 on the consumer mobile device 120. Optionally, in block 1530, a PIN code for accessing the consumer account can be received at the consumer mobile device 120. For example, the consumer can input a PIN or other code at the display for use in accessing the consumer's account in the drive consumer inside module 234. In this way, access to the consumer's identification information, demographic information, and payment method information may be secured. In the manner described above, since consumers can store or access certain identification, demographic, and financial information via the mobile commerce application program 116, consumers can readily register for multiple merchants′ respective targeted advertising and mobile payment programs 116, and in some instances, registration can be accomplished with a single click or authorization from the consumer using the consumer mobile device 120.

After the consumer account has been configured, and the targeted advertising and mobile payment application program 116, such as the drive consumer inside module 234 has stored information associated with the consumer account, the consumer can utilize the account via a user interface provided by the consumer downloadable mobile commerce application program 116 as a digital payment device in the merchant's mobile payment program, such as via the mobile commerce application program 108. The mobile commerce application program 116 can provide the consumer with any number of tools to facilitate purchases, such as near-field communication, a QR code scanner, bar code scanner, a payment button, a keypad, a voice input payment command, etc. In some embodiments, the consumer can verify a payment command or instruction by entering his or her PIN or other code.

FIG. 16 is a flow chart illustrating an example method for providing information and access to products and services of a merchant at a merchant location via a mobile commerce application program on a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 16, an example method 1600 for distributing merchant-related advertising to a consumer mobile device 120 at or near a merchant location is shown and described. In one embodiment, a consumer makes a purchase of gasoline at a gas pump using the POS device 112 provided at the gas pump. Typically, the payment information is requested before the consumer is allowed to begin pumping the gas. While the example embodiment is described with reference to a gas station and the purchase of gas at a gas pump, the example method is not so limited to this type of merchant or product and can be applied to any merchant irrespective of their type of business.

The example method 1600 begins at block 1605, where an indication is received that the consumer mobile device 120 has entered or is within a predetermined distance of the merchant location. In one example, as a consumer pulls up to a gas pump at the merchant location an alert or notification may be triggered on the consumer mobile device 120 or other client device when the device 120 is within a predefined range of the merchant, such as on the merchant's property. The alert can be triggered via a location-based service 132 on the merchant system identifying or receiving a signal from the location service 144 on the consumer mobile device 120. In another example, the consumer can scan a code (e.g., a QR code, bar code or other one-dimensional or two-dimensional code) to indicate that the consumer mobile device 120 is on the merchant property. In another example, the consumer can check-in to the merchant, such as a gas station, by placing the consumer mobile device adjacent a merchant device for conducting near-field communication. In yet another example embodiment, the consumer can check-in to the merchant location using a third-party application, such as SQUARE or FACEBOOK, or any other location identifying application. In yet another example embodiment, the consumer can check in via biometrics, such as via a fingerprint scanner or eye scanner at the merchant location. In still another example embodiment, the vehicle the consumer is in could provide geolocation information to the mobile commerce application program 116 at the consumer mobile device 120. In yet another example embodiment, the consumer can launch the mobile commerce application program 116 and/or specifically the check-in to pump gas module 230 when the consumer arrives at the merchant location. The consumer can input the location information or scan tags or codes at her merchant location to obtain geolocation information for the mobile commerce application program.

In block 1610, if not already done so, the mobile commerce application program 116 is launched on the consumer mobile device 120. In one example embodiment, the mobile commerce application program 116 with the check-in to pump gas module 230 launches automatically in response to the location service determining that the consumer mobile device 120 has checked in via the location service 132 of the merchant system 112. In another embodiment, the mobile commerce application program 116 launches in response to the consumer manually selecting an icon associated with the program app on the touch-enabled display of the consumer mobile device 120. The consumer can then check-in by manually selecting a radio button or icon on the display of the consumer mobile device 120. Alternatively, the mobile commerce application program 116, once opened, can automatically check the consumer in at the merchant's location. In yet another example embodiment, the mobile commerce application program 106 may be launched in response to scanning the code, such as the QR code or bar code at a merchant location or in response to the near field communication with the merchant system at the merchant. In yet another example embodiment, the mobile commerce application program 116 can launch based on information provided by a third-party application, such as SQUARE or FACEBOOK, or any other location identifying application. In still another example embodiment, the mobile commerce application program 116 can launch based on location information received from the consumer's vehicle.

In block 1615, the buy car wash module 232 of the mobile commerce application program 116 transmits location information (e.g., via the location service 144, QR code, bar code, or near field communication) and consumer identification information of the consumer to the merchant system 112 via the network 126. In block 1620, the merchant system 112 can check the consumer mobile device 120, and relatedly the consumer, into the merchant location via, for example, the mobile commerce application program 108. In block 1625, a request is transmitted from the merchant system 112 to the mobile commerce application program 116 at the consumer mobile device 120 to determine the desired products and/or services that the consumer wishes to buy. For example, in the gas station context, the merchant mobile application program 108 sends via the network 126, and the drive consumer inside module 234 of the mobile commerce application program 116 on the consumer mobile device 120 receives and displays a request for the products and/or services desired by the consumer and/or a listing of the products or services offered by the merchant at the merchant location or any other location. In one example, a listing of product could include gas, pump number, car wash, air, water, and/or consumer products available inside of the gas station.

In block 1630, the consumer mobile device 120 receives a reply input that identifies the products and/or services desired by the consumer. In one embodiment, the consumer manually selects the reply to the request displayed by the drive consumer inside module 234. For example, in the gas station example, using the drive consumer inside module's user interface on the consumer mobile device 120, the consumer selects the button on the user interface to purchase gas and/or provides the pump number that the consumer is currently positioned at in a field provided by the drive consumer inside module 234 on the display of the consumer mobile device 120.

In block 1635, a display of payment options is generated at the consumer mobile device 120. For example, the user interface for the drive consumer inside module 234 of the mobile commerce application program 116 can display the payment options for use in purchasing the selected products and/or services on the display of the consumer mobile device 120. In one example embodiment, the payment options can be retrieved from the bill payment module 224 or the drive consumer inside module 234 of the mobile commerce application program 116 based on information previously stored in the mobile commerce application program 116.

In block 1640, an input can be received at the I/O interface 142 of the consumer mobile device 120 that corresponds to a selection of the payment method. In one example embodiment, the consumer can select the payment method, for example one of the payment methods pre-registered by the consumer, by, for example, manually selecting an icon associated with the desired payment method on the touch-enabled display of the consumer mobile device 120.

In block 1645, the consumer mobile device 120 can transmit the selected products and/or services, the selected payment option, and/or the identity of the consumer and/or personal and/or demographic information of the consumer to the merchant system 112, either directly or via the server transaction processing system 106 and network 126. For example, the selected products or services along with an authorization token for the selected payment option, and consumer identification and demographic information for the consumer can be transmitted to the server transaction processing system 106, which can provide the selected payment information for processing along with the product selection information and the consumer identification and demographic information to the merchant system 112 or a third-party payment provider 124. In one example, the selection of a gas purchase, an authorization token representing the selected payment method, and consumer identification and demographic information for the consumer are transmitted from the consumer mobile device 120 to the server transaction processing system 106. The server transaction processing system 106 then transmits the selection of a gas purchase, the selected payment information (based on the received token) and the consumer identification and demographic information to the merchant system 112, such as to the merchant's POS device 112 or other client device of the merchant for payment authorization.

In block 1650, a determination is made if the purchase will be accepted and if the payment method is accepted. In one example embodiment, the purchase and payment method are authorized at the merchant system 112, such as the merchant POS device 112. Alternatively, the determination can be made by a third-party processor 124 communicably coupled to the merchant's system 112 (e.g., POS device). In block 1655, if the purchase is authorized, a notification or signal is transmitted to the consumer mobile device 120 and/or the merchant device 136. In one embodiment, the notification is sent from the merchant system 112 to the consumer mobile device 120 either directly or via the server transaction processing system 106 and network 126. The notification or signal is received by the drive consumer inside module 234 of the mobile commerce application program 116 and displayed on the consumer mobile device 120 by the module 234. In certain example embodiments, the notification is also transmitted to the gas pump 136 or other merchant device 136. In block 1660, the consumer is provided access to the device 136. In one embodiment, the receipt of the notification at the gas pump 136 or other merchant device can “unlock” the device 136 or otherwise provide the consumer access to the product at or in the device 136. In another embodiment, the notification may include a code (e.g., an alphanumeric code, bar code, QR code, or ability to transmit start instructions via near-field communication using the consumer mobile device 120). For example the consumer may be able to read a code displayed by the drive consumer inside module 234 of the mobile commerce application program 116 on the display of the consumer mobile device 120 and input it into a keypad or voice recognition device at the controller 138 for the gas pump 136 or other merchant device (e.g., car wash, parking meter, air compressor, vending machine) offered by the merchant. Alternatively, the controller for the gas pump or other merchant device may include a QR code reader or bar code reader such that the drive consumer inside module 234 on the consumer mobile device 120 can display the bar code or QR code, which can activate or “unlock” the gas pump 136 or otherwise provide access to the product. In another example embodiment, data is provided to the drive consumer inside module 234 of the mobile commerce application program 116, which can transmit that data (e.g., a start code) from the consumer mobile device 120 to the controller 138 of the gas pump 136 or merchant device 136 (e.g., car wash, parking meter, air compressor, vending machine) via near field communication by, for example, positioning the consumer mobile device 120 against or adjacent to a pad or other sensor 138 provided for near-field communication and transmitting the code via near-field communication.

In subroutine block 1665, advertising may be selected for the consumer transmitted to the consumer mobile device 1 from the server or the merchant system for presentation to the consumer. The details of selecting and presenting the advertising in subroutine block 1665 are described in further detail with reference to FIGS. 17-19 below. In block 1670, when the purchase is complete and/or receipt of the products and/or service are complete, an electronic receipt can be generated and transmitted to the consumer mobile device 1. In the gas station example, when the consumer is finished pumping gas, the pump or the controller for the pump can transmit a signal to the merchant system notifying the merchant system that the pumping of gas is complete. The merchant system can then generate the receipt and transmit the receipt either directly or via the server to the consumer mobile device 1 for display by the drive consumer inside module.

In block 1675, loyalty rewards, points, or coupons related to the purchase can be transmitted to the consumer mobile device 120. For example, the loyalty rewards, points, or coupons can be sent by either the merchant system 112 or the server transaction processing system 106 and can be sent for storage and/or display in the loyalty rewards module 202 of the mobile commerce application program 116 or can be transmitted to the device 120 via email of text message. In certain embodiments, purchase or loyalty rewards can be provided to the consumer by way of the mobile commerce application program 102, 108, or 116 for certain predefined purchases or purchase levels. In addition, coupons for future purchases can be provided to the consumer via the loyalty rewards module 202 of the mobile commerce application program 102, 108, or 116. The process then continues to the END block.

FIG. 17 is a flow chart illustrating an example method 1665 for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, 16, and 17, the example method 1665 begins at block 1705, where consumer information is received at the merchant system 112 (e.g., via the merchant POS device). In certain example embodiments, the consumer information is transmitted to the merchant system 112 from the consumer mobile device 120 via the drive consumer inside module 234 of the mobile commerce application program 116. In block 1710, a determination is made as to the phone number and/or email address of the consumer based on the consumer information. The identification information, personal information and/or demographic information about the consumer can be used by the merchant system 112 to determine a phone number associated with the consumer or an email address associated with a consumer by comparing the consumer information to a database of information to determine if a match exists with the received consumer information.

In block 1715, a determination is made if the advertising will be targeted advertising or general advertising. For example, targeted advertising involves selecting advertisements based on the consumer's prior purchase history with the merchant or other demographic information associated with the consumer. A general advertisement is one that has been selected for distribution without reference to any particular information about a consumer. If the advertising will be general, the NO branch is followed to block 1720 where the merchant system 112 selects a general advertisement for the merchant and transmits that advertisement to the consumer mobile device 120. The general advertisement can be received by the drive consumer inside module 234 of the mobile commerce application program 116 and presented on the display of the device 120.

If target advertising will be employed, the YES branch is followed to block 1725, where one of the merchant system 112, server transaction processing system 106, or drive consumer inside module 234 of the mobile commerce application program 116 determines purchase history or demographic information about the consumer. In block 1730, one of the merchant system 112, server transaction processing system 106, or drive consumer inside module 234 selects an advertisement for presentation to the consumer based on the purchase history and/or demographic profile of the consumer. In one example embodiment, the advertisements are stored on the merchant system 112. In block 1735, the selected advertisement is transmitted to the consumer mobile device 120 via email, text message, or otherwise received and displayed by the drive consumer inside module 234 of the mobile commerce application program 116 on the consumer mobile device 120. Optionally, in block 1740, a coupon associated with the advertisement can be transmitted to the consumer mobile device 120 via email, text message or the drive consumer inside module 234. The coupon can be stored in memory 118 or stored with the mobile commerce application program 116 in the loyalty/rewards module 202.

FIG. 18 is a flow chart illustrating another example method 1665 for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, 16, and 18, the example method 1665 begins at block 1805, where consumer information is received at the merchant system 112 (e.g., via the merchant POS device). In certain embodiments, the consumer information is transmitted to the merchant system 112 from the consumer mobile device 120 via the drive consumer inside module 232. In block 1810, the consumer information is used by the merchant system 112 to compare it to information in a historical database of purchase information to determine the purchase history for this particular consumer associated with the consumer mobile device 120. Alternatively, the comparison is made by one of the server transaction processing system 106 and the drive consumer inside module 232 of the mobile commerce application program 116.

In block 1815, an advertisement is selected for presentation at the consumer mobile device 120 based on the identified purchase history of the consumer. In certain embodiments, the advertisement is selected by one of the merchant system 112, server transaction processing system 106, and drive consumer inside module 232 of the mobile commerce application program 116. In block 1820, a determination is made as to whether the advertisement will be presented via the mobile commerce application program 116. If not, the NO branch is followed to block 1825, where the merchant system 112, the server transaction processing system 106, or the drive consumer inside module 232 determines the phone number and/or email address for the consumer based on the received consumer information. The selected advertisement is then transmitted to the consumer mobile device 120 by the merchant system 112 or server transaction processing system 106 in the form of an email or text message.

Returning to the application presentation determination, if the advertisement will be presented via the mobile commerce application program 116, the YES branch is followed to block 1835, where one of the merchant system 112 or the server transaction processing system 106 transmits the selected advertisement to the drive consumer inside module 234 of the mobile commerce application program 116 at the consumer mobile device 120. The drive consumer inside module 234 receives and displays the advertisement on the display of the consumer mobile device 120 in block 1840. Optionally, in block 1845, a coupon associated with the advertisement can be transmitted to the consumer mobile device 120 via email, text message or the drive consumer inside module 234. The coupon can be stored in memory or stored with the mobile commerce application program 116 in the loyalty/rewards module 202 or the drive consumer inside module.

FIG. 18 is a flow chart illustrating another example method 1665 for generating and displaying targeted advertising to a consumer associated with a consumer mobile device 120 according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, 16, and 19, the example method 1665 begins at block 1905, where consumer information is received at the merchant system 112 (e.g., via the merchant POS device). In certain example embodiments, the consumer information is transmitted to the merchant system 112 from the consumer mobile device 120 via the drive consumer inside module 234 of the mobile commerce application program 116. In block 1910, the consumer information is used by the merchant system 112 to determine demographic characteristics of the consumer. For example, the received consumer information may include the demographic information. In another embodiment, the received information can be compared by the merchant system 112 to information in a database of consumer information to determine demographic characteristics for this particular consumer associated with the consumer mobile device 120. Alternatively, the comparison is made by one of the server transaction processing system 106 and the drive consumer inside module 234 of the mobile commerce application program 116.

In block 1915, an advertisement is selected for presentation at the consumer mobile device 120 based on one or more identified demographic characteristics of the consumer. In certain embodiments, the advertisement is selected by one of the merchant system 112, server transaction processing system 106, and drive consumer inside module 234 of the mobile commerce application program 116. In block 1920, a determination is made as to whether the advertisement will be presented via the mobile commerce application program 116. If not, the NO branch is followed to block 1925, where the merchant system 112, the server transaction processing system 106, or the drive consumer inside module 234 determines the phone number and/or email address for the consumer based on the received consumer information. The selected advertisement is then transmitted to the consumer mobile device 120 by the merchant system 112 or server transaction processing system 106 in the form of an email or text message.

Returning to the application presentation determination, if the advertisement will be presented via the mobile commerce application program 116, the YES branch is followed to block 1935, where one of the merchant system 112 or the server transaction processing system 106 transmits the selected advertisement to the drive consumer inside module 234 of the mobile commerce application program 116 at the consumer mobile device 120. The drive consumer inside module 234 receives and displays the advertisement on the display of the consumer mobile device 120 in block 1940. Optionally, in block 1945, a coupon associated with the advertisement can be transmitted to the consumer mobile device 120 via email, text message or the drive consumer inside module 234. The coupon can be stored in memory 118 or stored with the mobile commerce application program 116 in the loyalty/rewards module 202 or the drive consumer inside module 234.

Another alternative method 2000 for distributing merchant related advertising is presented in FIG. 20. FIG. 20 is a flow chart illustrating another example method for generating and displaying targeted advertising to a consumer associated with a consumer mobile device according to certain example embodiments of the disclosure. Referring now to FIGS. 1, 2, and 20, the example method 2000 begins at block 2005, where a consumer selects a product for purchase or prepares to purchase a product. In block 2010, the consumer swipes a payment card (e.g., a credit card, debit card, gift card, discount card, or pre-paid card) at a merchant system 112, such as a merchant POS device 112. The payment card information is transmitted from the merchant system 112 to a third party transaction system 124 for authorization via the network 126 in block 2015. As part of block 2015, the payment card information can also be transmitted to the server transaction processing system 106. In block 2020, the consumer associated with the payment card information is determined. For example, the server transaction processing system 106 or the merchant system 112 can compare the payment card information to a database of consumer information that includes payment method information for consumers to determine if a match exists. If a match of payment card information is identified, the server transaction processing system 106 or merchant system 112 can determine the consumer and information about the consumer mobile device 120 associated with the consumer.

In block 2025, the consumer identification information, demographic characteristics, and/or purchase history for the identified consumer is determined. For example, the server transaction processing system 106 or merchant system 112 can parse a database of consumer information to determine consumer identification information, demographic, and/or purchase history information about the consumer. In another example, the server transaction processing system 106 can transmit identifying information about the consumer to the merchant system 112 or a third-party system, which can make the demographic and/or purchase history determination. In block 2030, one or more advertisements can be selected for presentation at the consumer mobile device 120 by the merchant system 112 or server transaction processing system 106 based on one or more demographic characteristics and/or the purchase history of the identified consumer. In one embodiment, the selection of the advertisement is made by the server transaction processing system 106 or the merchant system 112.

In block 2035, a determination is made as to whether the advertisement will be presented via the mobile commerce application program 116. If not, the NO branch is followed to block 2040, where the merchant system 112, the server transaction processing system 106, or the drive consumer inside module 234 of the mobile commerce application program 116 determines the phone number and/or email address for the consumer based on the received consumer information. The selected advertisement is then transmitted to the consumer mobile device 120 by the merchant system 112 or server transaction processing system 106 in the form of an email or text message.

Returning to the application presentation determination, if the advertisement will be presented via the mobile commerce application program 116, the YES branch is followed to block 2050, where one of the merchant system 112 or the server transaction processing system 106 transmits the selected advertisement to the drive consumer inside module 234 of the mobile commerce application program 116 at the consumer mobile device 120. The drive consumer inside module 234 receives and displays the advertisement on the display of the consumer mobile device 120 in block 2055. Optionally, in block 2060, a notification of receipt of or download of loyalty rewards, points, or a coupon associated with the advertisement can be transmitted to the consumer mobile device 120 via email, text message or the drive consumer inside module 234. The loyalty rewards, points, or coupon can be stored in memory 118 or stored with the mobile commerce application program 116 in the loyalty/rewards module 202 or the drive consumer inside module 234. The process then continues to the END block.

FIG. 21 illustrates an example display of a user interface 2100 presented on a consumer mobile device 120 to communicate advertising regarding products and services of a merchant at a merchant location while the consumer is at the merchant location according to certain example embodiments of the disclosure. The example display of an advertisement may be used with any one or more of the methods discussed above in FIGS. 14-20.

Using some or all of the above systems and processes, functionality for facilitating purchases at a gas station via mobile commerce can be enabled. In this manner, consumers can more easily make purchases and merchants can provide advertisements and promotions to consumers to drive them into the merchant location to make additional purchase, which can increase the revenue opportunities for the merchant while providing the consumer with a more pleasant mobile commerce experience.

The operations and processes described and shown above may be carried out or performed in any suitable order as desired in various implementations. Additionally, in certain implementations, at least a portion of the operations may be carried out in parallel. Furthermore, in certain implementations, less than or more than the operations described may be performed.

Certain aspects of the disclosure are described above with reference to block and flow diagrams of systems, methods, apparatuses, and/or computer program products according to example embodiments. It will be understood that one or more blocks of the block diagrams and blocks of the flow diagrams, and combinations of blocks in the block diagrams and blocks of the flow diagrams, respectively, may be implemented by execution of computer-executable program instructions Likewise, some blocks of the block diagrams and blocks of the flow diagrams may not necessarily need to be performed in the order presented, or may not necessarily need to be performed at all, according to some embodiments. Further, additional components and/or operations beyond those depicted in blocks of the block and/or blocks of the flow diagrams may be present in certain embodiments.

Accordingly, blocks of the block diagrams and blocks of the flow diagrams support combinations of means for performing the specified functions, combinations of elements or steps for performing the specified functions and program instruction means for performing the specified functions. It will also be understood that each block of the block diagrams and block of the flow diagrams, and combinations of blocks in the block diagrams and blocks of the flow diagrams, may be implemented by special-purpose, hardware-based computer systems that perform the specified functions, elements or steps, or combinations of special-purpose hardware and computer instructions.

The computer-executable program instructions described herein may be loaded onto a special-purpose computer or other particular machine, a processor, or other programmable data processing apparatus to produce a particular machine, such that the instructions that execute on the computer, processor, or other programmable data processing apparatus create means for implementing one or more functions specified in the flow diagram block or blocks. These computer program instructions may also be stored in a computer-readable storage media or memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable storage media produce an article of manufacture including instruction means that implement one or more functions specified in the flow diagram block or blocks. As an example, certain implementations may provide for a computer program product, comprising a computer-readable storage medium having a computer-readable program code or program instructions implemented therein, said computer-readable program code adapted to be executed to implement one or more functions specified in the flow diagram block or blocks. The computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational elements or steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions that execute on the computer or other programmable apparatus provide elements or steps for implementing the functions specified in the flow diagram block or blocks.

Additional types of CRSM that may be present in any of the devices described herein may include, but are not limited to, programmable random access memory (PRAM), SRAM, DRAM, RAM, ROM, electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the information and which can be accessed. Combinations of any of the above are also included within the scope of CRSM. Alternatively, computer-readable communication media (CRCM) may include computer-readable instructions, program modules, or other data transmitted within a data signal, such as a carrier wave, or other transmission. However, as used herein, CRSM does not include CRCM.

Conditional language, such as, among others, “can,” “could,” “might,” or “may,” unless specifically stated otherwise, or otherwise understood within the context as used, is generally intended to convey that certain implementations could include, while other implementations do not include, certain features, elements, and/or operations. Thus, such conditional language is not generally intended to imply that features, elements, and/or operations are in any way required for one or more implementations or that one or more implementations necessarily include logic for deciding, with or without user input or prompting, whether these features, elements, and/or operations are included or are to be performed in any particular implementation.

Many modifications and other implementations of the disclosure set forth herein will be apparent having the benefit of the teachings presented in the foregoing descriptions and the associated drawings. Therefore, it is to be understood that the disclosure is not to be limited to the specific implementations disclosed and that modifications and other implementations are intended to be included within the scope of the appended claims. Although specific terms are employed herein, they are used in a generic and descriptive sense only and not for purposes of limitation. 

What is claimed is:
 1. A computer-implemented method for facilitating a purchase of a product from a merchant from a consumer's mobile device, the method comprising: transmitting, by a merchant device comprising one or more processors to the consumer mobile device, a request for a selection of a product or service for purchase from the merchant; receiving, by the merchant device from the consumer mobile device, a selection of at least one product or service; receiving, by the merchant device from the consumer mobile device, a selected payment method for the selected at least one product or service; processing, by the merchant device, a purchase transaction for the selected at least one product or service with the selected payment method; transmitting, by the merchant device to the consumer mobile device, a notification of approval of the purchase transaction; and facilitating access, by the merchant device, to the selected at least one product or service in response to the approval of the purchase transaction.
 2. The computer-implemented method of claim 1, further comprising: receiving, by the merchant device, an indication that a consumer is within a predefined distance of a merchant location; and receiving, by the merchant device from the consumer mobile device, consumer identification information for the consumer.
 3. The computer-implemented method of claim 2, further comprising: determining, by the merchant device, a purchase history for the consumer based at least in part on the identification information for the consumer; selecting, by the merchant device, at least one advertisement based at least in part on the purchase history of the consumer; and transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.
 4. The computer-implemented method of claim 2, further comprising: determining, by the merchant device, demographic information for the consumer based at least in part on the consumer identification information; selecting, by the merchant device, at least one advertisement based at least in part on the demographic information for the consumer; and transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.
 5. The computer-implemented method of claim 1, further comprising: wherein the request for the selection of the product or service for purchase comprises a request for identification of a pump from which the consumer wants to pump gas, wherein receiving the selection of the at least one product or service comprises an identification of gas pump at the merchant location, and wherein facilitating access to the selected at least one product or service comprises transmitting, by the merchant device, a signal to the identified gas pump to unlock the gas pump.
 6. The computer-implemented method of claim 1, further comprising: wherein the selected payment method comprises payment card transaction information; determining, by the merchant device, consumer identification information based at least in part on the payment card transaction information; determining, by the merchant device, contact information for a mobile device of the consumer based at least in part on the determined consumer identification information; and transmitting, by the merchant device, a notification to the mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.
 7. The computer-implemented method of claim 1, further comprising: receiving, by the merchant device from a consumer at an input communicably coupled to the merchant device, a phone number associated with the consumer; determining, by a merchant device, the consumer mobile device associated with the phone number; and transmitting, by the merchant device, a notification to the consumer mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.
 8. The method of claim 1, further comprising: providing a scannable code at a merchant location; receiving, by merchant device, the code from a consumer mobile device; identifying, by the merchant device, a gas station mobile payment application program based at least in part on the received code; facilitating, by the merchant device, access to the gas station mobile payment application program; and receiving, by the merchant device, consumer identification information via the gas station mobile payment application program.
 9. A computer-implemented method of claim 1, further comprising: transmitting, by the merchant device, an access code to the consumer mobile device, the access code providing access to the selected at least one product or service.
 10. A computer-implemented method of claim 1, wherein the selected at least one product or service comprises a car wash and wherein the method further comprises: transmitting, by the merchant device to the consumer mobile device, an access code, the access code facilitating the initiation of the car wash; receiving, by the merchant device from the consumer mobile device, the access code, wherein the merchant device is communicably coupled to the car wash; and initiating, by the merchant device, the car wash in response to receiving the access code at the merchant device.
 11. The computer-implemented method of claim 1, wherein the selected payment method comprises payment card transaction information and wherein the method further comprises: determining, by the merchant device, consumer identification information for the consumer based at least in part on the payment card transaction information; determining, by the merchant device, a demographic characteristic for the consumer based at least in part on the consumer identification information; selecting, by the merchant device, at least one advertisement based at least in part on the demographic characteristic of the consumer; and transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.
 12. The computer-implemented method of claim 1, wherein the selected payment method comprises payment card transaction information and wherein the method further comprises: determining, by the merchant device, consumer identification information for the consumer based at least in part on the payment card transaction information; determining, by the merchant device, a purchase history for the consumer at the merchant based at least in part on the consumer identification information; selecting, by the merchant device, at least one advertisement based at least in part on the purchase history of the consumer at the merchant; and transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.
 13. A system comprising: at least one memory storing computer-executable instructions; and at least one processor, wherein the at least one processor is configured to access the at least one memory and to execute the computer-executable instructions to: direct communication of a request for a selection of a product or service for purchase from the merchant to a consumer mobile device; receive, from the consumer mobile device, a selection of at least one product or service; receive, from the consumer mobile device, a selected payment method for the selected at least one product or service; facilitate the processing of a purchase transaction for the selected at least one product or service with the selected payment method; direct communication of a notification of approval of the purchase transaction to the consumer mobile device; and facilitate access to the selected at least one product or service in response to the approval of the purchase transaction.
 14. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to: receive an indication that a consumer is within a predefined distance of a merchant location; and receive, from the consumer mobile device, consumer identification information for the consumer.
 15. The system of claim 14, wherein the at least one processor is further configured to execute the computer-executable instructions to: determine a purchase history for the consumer based at least in part on the identification information for the consumer; select at least one advertisement based at least in part on the purchase history of the consumer; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.
 16. The system of claim 14, wherein the at least one processor is further configured to execute the computer-executable instructions to: determine demographic information for the consumer based at least in part on the consumer identification information; select at least one advertisement based at least in part on the demographic information for the consumer; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.
 17. The system of claim 13, wherein the request for the selection of the product or service for purchase comprises a request for identification of a pump from which the consumer wants to pump gas, wherein receiving the selection of the at least one product or service comprises an identification of gas pump at the merchant location, and wherein facilitating access to the selected at least one product or service comprises directing communication of a signal to the identified gas pump to unlock the gas pump.
 18. The system of claim 13, wherein the selected payment method comprises payment card transaction information and wherein the at least one processor is further configured to execute the computer-executable instructions to: determine consumer identification information based at least in part on the payment card transaction information; determine contact information for a mobile device of the consumer based at least in part on the determined consumer identification information; and direct communication of a notification to the mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.
 19. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to: receive, from a consumer at an input communicably coupled to the merchant device, a phone number associated with the consumer; determine the consumer mobile device associated with the phone number; and direct communication of a notification to the consumer mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.
 20. The system of claim 13, wherein a scannable code is provided at a merchant location and wherein the at least one processor is further configured to execute the computer-executable instructions to: receive the code from a consumer mobile device; identify a gas station mobile payment application program based at least in part on the received code; facilitate access to the gas station mobile payment application program; and receive consumer identification information via the gas station mobile payment application program.
 21. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to direct communication of an access code to the consumer mobile device, the access code providing access to the selected at least one product or service.
 22. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to: direct communication of an access code to the consumer mobile device, the access code facilitating the initiation of the car wash; receive, from the consumer mobile device, the access code, wherein the merchant device is communicably coupled to the car wash; and initiate the car wash in response to receiving the access code at the merchant device.
 23. The system of claim 13, wherein the selected payment method comprises payment card transaction information and wherein the at least one processor is further configured to execute the computer-executable instructions to: determine consumer identification information for the consumer based at least in part on the payment card transaction information; determine a demographic characteristic for the consumer based at least in part on the consumer identification information; select at least one advertisement based at least in part on the demographic characteristic of the consumer; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.
 24. The system of claim 13, wherein the selected payment method comprises payment card transaction information and wherein the at least one processor is further configured to execute the computer-executable instructions to: determine consumer identification information for the consumer based at least in part on the payment card transaction information; determine a purchase history for the consumer at the merchant based at least in part on the consumer identification information; select at least one advertisement based at least in part on the purchase history of the consumer at the merchant; and direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device. 